i spend 4 hours testing 3.9-3.95 with different Voltage:
- 3.925 @ 1.325v failed
- 3.925 @ 1.3375 Solid 72°c max Temp. Screen: https://imgur.com/jMv3xC7
- 3.900 @ 1.3250 Solid 72°c max Temp Screen: https://imgur.com/R46hOTk
- 3.950 @ 1.375 or 1.350v should be fine.
**** all tests are done with AIDA64 ( 30 mins is enough i guess ) ***
to answer you, yes am not going to push it to the max and waste my CPU lifetime for just 100Mhz, just making some tests and i think i am happy with 3.900 @ 1.325v with 72° but i just play some games which are 70% CPU usage max at 65°c. i will lower to 3.8 / 3.85 @ 1.3v / 1.3125 if i get Temp problems or summer comes out because i live in hot country. or i will add more fans and test it.
for conclusion i think ryzen CPUs are very strong and runs safe at 3.9Ghz with 1.3250v at least this is what i have, compaired to what i see in Forums or Youtube they push to 1.4v for 3.9Ghz.