I'd still like to know why your 12v and 5v rails are so low, they are the main supplies for Fans, HDDs etc. Could be a problem with CPUID Hardware Monitor or your motherboard sensors. The fact that your machine appears to be running well would suggest that the problem lies in the monitoring. Perhaps you could start a new thread and see if anyone else has the same results?
The voltages are definitely a result of bad monitoring. I've seen similar issues with some motherboards and HWMonitor where it wouldn't read the +12V and +5V voltages right. If you are worried about voltages, check in the BIOS, that will give you an accurate reading.