Ok, what I would do is.
First boot into bios and turn off turbo, c1e, eist and all other c states.
Second boot at stock freq into windows and check the vid at idle with cpuz.
Third boot into bios and manually set vcore to whatever cpuz said you vid was and raise the BCLK a little.
Fourth boot into windows and run prime95 and watch your temps with HWmonitor.
If it passes an hour raise BCLK and run again. When and if it fails you can start to raise the vcore.
I would manually set your other voltages (VTT, ram, etc) as well, it will help with temps and longevity of components.
Oh and lock the PCIE freq to 100.
You may not have done it yet but from your screenshot it looks like you havent disabled turbo, c1e or eist. Make sure you disable them that way you CPU will be running at 2.8ghz because the voltage will be different at 2.8ghz and that is the voltage you want to use as your vcore.
It is probably around 1.15v but I am not 100% sure.
Ok you are running 1.031v. I would try to increase it to 1.10v and see if that works if it does then you can try decreasing it until it is unstable again the bump it up a couple of notches. If it isnt stable at 1.10v then I would increase it in .05v increments.
As for the CPU ratio I am not sure why it is stuck on auto.
Dont mess with the offset voltage.
Before you try to increase the vcore you might try to increase VTT(also known as QPI)voltage.