I think there's a free version of Everest. It's a good program that will give you cpu, core temps, gpu, and motherboard(which is usually the north bridge) you shouldn't notice much of a difference moving from 4-4-4-12 to 5-5-5-15, and like I said you can tweak it further, or maybe new ram it's up to you. check out the sticky on cpu temps. at the main
site is will tell you if your temps. are within specs. Also when you say load, is that orthos or prime 95 load? Because if thats just gaming or even encoding thats alittle warm. And I would deff. continue to tweak the volages, as you can prob. lower temps a little, give it a shot.