Q9300 ^ Biostar TPOWER I45

Folks - noticing weird temp readings. Here are my current settings:

vcore 1.304 (3.7Ghz   )
vram 2.80 (4bg ocz ddr2 1066 ram @ 998mhz)
fsb + .400v (494fsb   - amazing mobo this biostar tpower i45)
vchipset .42v
+5v 5.51v
+12v 11.79b
vcc3v 3.33v
xigmatek s1283 w/ Antec Formula 5 silver compound
Cooler Master HAF with small 120mm rear fan to create positive pressure airflow

In anycase, I use cpu-z, realtemp, coretemp and speedfan just to see all readings across the board. Here's what I'm averaging:

Idle
core 1: 44
core 2: 42
core 3: 40
core 4: 40

Load (prime 95 small ffts for a few hours)
core 1: 68
core 2: 68
core 3: 65
core 4: 65

I'm getting similar readings from all the apps, so I think it's pretty accurate. The mobo shows a cpu temp of 30-35C on idle (and 54C on load).

The temps are a little high, but for the 3.7ghz it's still ok imho (using xigmatek s1283).

Here are my questions:

1) I don't know if tjmax for this cpu is 85-95C or should I just focus on staying below intel's thermal design of 71.4C

2) noticed that with speed step (spread spectrum - is that different?) on, the vcore is actually higher idle (1.304) vs load (1.280)

3) with these temps, should I go with a Tuniq or Zalman 97/9900 and Artic Silver? Would I see enough improvements to warranty the cost?

4) could I see better temps if I changed the case to something that will generate better airflow? The HAF is riddled with holes/grills - no "seal" to create strong airflow. I like the large fans because the are very quite given the cfm

5) if you have this mobo and use speedfan, which temp reading is my nb?

Sorry for all the questions and thanks for any guidance I can get. I am somewhat of a noob to this, so excuse my stupid questions.