I guess that makes my next newb question:
"If the bios allows the Vcore to fluctuate depending on load, what good does it do to set a specific value?"
You think it's bad now ... just wait
You're running jussssst
a bit out of spec and your bump ain't nuthin'
Your BIOS setting establishes a base line. Your processor will raise and lower voltage above and below the baseline to each single core, much less the entire die, dependent upon load.