If those are your temps at 100% load, I wouldn't touch a dang thing.
Even when I OC and under-volt, my temps are in the mid-40Cs with the PhII quads at load. That's quite a chip you have there, and an impressive performance from the MSI mobo.
Wanna swap some stuff?
I'm easy.General Rule of Thumb on BIOS Updates
: If it ain't broke, don't update it (unless there are new features/adjustments in the BIOS that are beneficial to you).
Going beyond your current CPU speed will have minimal impact on overall performance. Bumping the IMC/NB speed will increase memory bandwidth and decrease latency, but ...
Be careful and don't blow it. You're at quite a sweet place!