Hi Guys. Just thought i would add my details for my first overclock. Many of your thoughts helped me. One thing not many people seem to have mentioned is VTT. So i will add mine.
System is "stable" at 4ghz.
Temps: Idle 38. Full load 68-70. (no air con)
VCORE is at 1.25. CPU-Z states 1.232
VTT also 1.25. Had system stable at 1.25 VCORE and 1.31 VTT. Worked backwards and seems good at 1.25 VTT. Having them the same will help me remember.

20 x 200 BLCK
RAM is set as box states. 1.65 (1.64 in my bios)
Timing standard 9-9-9-24.
Prime 95 small fft @ 12 hours no errors
Prime 95 Blen @ 2 hours no errors
OCCT 1 hour no error
Benchmark Vantage. Score was 18500 (it was 185..something)
Smashed in in 3D modelling (Solidworks)
Video encoding
Anyway seems good to me.
Please dont yell at me if my "lingo" isnt correct. Im a newbie. But if i can help please let me know.
Cheers