Be aware that software and bios temp readings are often inaccurate, 61 C is cutting it pretty close. The cpu itself can take 1.5 V, I personally went up to 1.55 V but if you want to use it for few years its best to stick at or very close to the recommended max voltage.
Yea the more i read the more i think i am going to drop it down a bit. I think i will be happy at 3.6Mhz. I game mostly and a little bit of home movie making so i dont think i need to push it to hard.