running the highest LLC isn't advisable because of overshoot, the temperature is irrelevant. vdroop makes overshoot a non-issue, if you set 1.25v and are getting 1.15v under 100% load then even an unrealistic level of overshoot isn't pushing your CPU voltage that'd be harmful.
overshoot isn't detectable in software, just because you're not seeing spikes to high vCore doesn't mean it isn't.
lengthy but good information, watch it at 1.5x speed or something because he takes forever to go through some of it, lol.
most of the boards that don't have a VR VOUT sensor have accurate vCore, but if you have VR VOUT then you should go by that. Otherwise just go by why HWInfo is saying. My board shows ~0.15v higher than what I'm actually using compared to VR VOUT.