Hmmm, looks like it's staying put at 10.38V... not so good eh? So is that probably my problem? Also I'm using SpeedFan to monitor it, I should be looking where it says +12V: Right?
SpeedFan is not a utility I trust. It reports 6.65V on my +12V rail.
I use AIDA64 Extreme Engineer which reports 12.096 V for the +12V rail and I know that is correct because the motherboard manufacturer's own utility agrees with that value and so does the motherboard's own UEFI monitoring tool.