Well, I use PC probe to monitor all voltages in windows.
The difference in bios voltages and cpuz voltages is due to Vdroop. The CPUZ voltage is what your CPU is actually getting. Power supplies and motherboards aren't good enough to give 100% of the volts you tell it to give to your CPU..
My Bios has vcore at 1.425, but my CPU only gets about 1.38volts.
BIOS should allow you to manually set your memory timings to 4-4-4-12 and you should check the manufactureres website for what the recommended voltage is for your memory. Mine is set to 2.2V in bios, but they actually get 2.28Volts in windows.
I wouldn't trust Speedfan with the voltages.