I figured it out. The motherboard I'm using has really shitty voltage control. It's a p55m-gd45, and the only options it has for vcore is Auto and increasing increments of mV. Supposed if it's left on Auto with the text greyed out, it's at the stock voltage, but what was happening is that it was jacking my vcore up to 1.224v, way above stock.
I ended up having to set vcore to +.006 to set it at a static vcore so that it wouldn't go so high during load.
A word of advice, avoid MSI motherboards like the plague. For a board aimed at overclocking, the shitty voltage controls in the AMI Bios are a big nonsensical error. I won't be buying MSI again anytime soon.
Stable now for 8hrs of prime, 2hrs of OCCT, 20 passes IBT. Max Temp was 61 degrees celcius with the vcore and vtt set just above stock.