Prime95 (newer versions anyway) also heavily stress the AVX instruction set. Unless your workload will utilize AVX, then small FFTs is overkill as far as a "stress test" goes.
Personally, no, I wouldn't look to lower clocks. Most people need in the 1.2-1.25V range for 4.5GHz. If you're only at 1.186V (and have a suitable motherboard & adequate cooling), you should have plenty headroom to push on beyond 4.5GHz. 4.6, maybe even 4.7GHz *might* be doable. 1.3V, IIRC is the upper-end of "safe" for a DC CPU.
*No guarantees on 4.6 or 4.7, of course.... but with that much voltage headroom, you've got a better change than most.