so your confirming that even if i have a golden chip that when i first install it runs 6ghz @ 1.3v after a week or X amount of time that same 6ghz will needa 1.33 or something more then what it needed previously??
Not necessarily and it depends on a variety of things.
Firstly how resilient the chip is. Secondly what is it that you're doing with the rig - is it at load 24/7 ie. folding etc.? I have noticed something called burn in (settling down as you put it) and that is probably very important as many don't realise. It could be a case of just settling down or could be that the load voltage requires a small bump to stay consistent.
With overclocking there is no guarantee and the same goes for voltages, it's hardly consistent and does fluctuatute. For instance:
4.5ghz with +0.020v = 1.248 / 1.256 / 1.260v LOAD
particular time, those were the voltages you obtained, however running it again could produce these: 1.248 / 1.256 / 1.260 like before but more importantly it could drop down to 1.240v which is lower and could happen for a split second and make all the difference to being stable or not, hence the 101 error. If the chip requires a lot more voltage (say +0.050) for your overclock then yeah you could call that degrading or burn in.