You may be able to hit 3.7 on stock volts, but don't worry if you can't. If it's not stable you can bump your voltage up to 1.37 or so and it will be good, but don't overvlot if you don't have to. I'd use the BIOS, I've heard bad things about Overdrive but maybe that's all made up, it's moot to me. You should make sure that your RAM doesn't get clocked too high and prevent your system from booting, but your RAM settings won't change at all if you're just using the multiplier.