I've played around a bit more. Still at 4.7 but vcore dialed down to 1.20. Completely stable, 12 hours + of OCCT. With my current cooler, temp spikes top out at 62C across any given cores but tend to sit in mid 50's the majority of the bench.
At this point, I could crank it higher easily enough but not sure what the value would be. 4.7ghz for day to day use is plenty. My average usage temps are in the high 30's to low 40's, fans barely ramp up.
Under load the vcore actually drops at times to 1.18 but never exceeds 1.2