I'm using Vcore at 1.200v with adaptive power mode.
IO and SA at 1.050v.
I'm running at stock 4.2GHz with a hyper212 push&pull. 60-80% usage, temps never reach 60c during load. I solved also alot of heat spikes at a forum, it helped alot.
1) Vcore for stock settings must be 1.200v. When you see more then 1.200v so your motherboard is overvolting your Vcore.
Stock frequency is 4.2ghz up to 4.5ghz with turbo boost.
2) If you do not see adaptive mode so your motherboard does not support it. So you ve to use the old way (offset or fixed).
3) IO and SA settings (these are called in different ways in different BIOS, like CPU IO, VCCIO, etc) must be under 1.050v.
4) CPU PLL OC (that in your bios is called VCCPLL OC) must be under 1.100 as datasheet says (some user here is stable at 1.080v, i am stable at 1.050v).