Well like you said that processor was running way too hot and in my earlier tests I had seen 80 something which is just crazy. So I pulled it off and threw on a OCZ Gladiator Max with the proper Arctic Silver 5. So now at the same voltages I see a 30 degree reduction and am happily running 4ghz with out breaking a sweat, literally.
I also did finally find out that the stock intel cooler does have a built in ambient temp sensor that is the master of the true top speed of that stock fan. At the lowest temp with the smart stuff off I would only see 1800 rpm but as the case warmed up it could go as high as 2800 rpm. I might try opening the fan up and see if there is a way to over ride that so people could run higher clocks with stock coolers.