I am sorry to burst your bubble, and I am going to be blunt here, but you are doing it wrong. The purpose of stability testing is to see how the CPU does under stress. If you are rendering something in Photoshop, you don't want your machine to crash do you? Hell, you could just be browsing the web, get a sudden CPU usage spike, crash. A lot of us here have a lot of experience in overclocking and stability testing (myself included in this). Entire communities swear by some of these programs, so there has got be something be done here right, riiiiiggght?????
So, the right way to do it is to stress test it using said programs. Rendering will push your chip about as hard as a blend test in Prime. So, run prime. Gaming is another thing all together, however, same thing, run prime. IF you pass 24 hours of that, you can safely say your chip will not crap out during a game or a long period of rendering.
Stability testing also goes into idle stability and even then, sometimes a CPU will pass with stress testing, but crashes on idle and you gotta do more tweaking.
Also, when stress testing, have Event Viewer open. Go to system logs and make suere you are not getting any WHEA errors. If you are, you are not stable.
EDIT: Read your edited post. That is the point of the stress testing programs. To push your chip beyond real world stress testing. If you build a wall that can take a strike from a semi, then you can safely assume you can crash a mini-van into at the same speed. If you want something stable, hit it with the hardest thing you got. If it passes, then you know that no matter what you throw at it, the CPU will be stable.
Furthermore, you are not going to be hurting the CPU in any way. I once left Prime running for a week once. Didn't harm anything.
Things just run a bit hot. Keep things under about 80C (I am a dare devil, so I push things to 85C) and your voltages under control and below safe limits and your fine.
However, if you want true stability, you can always not overclock as well. To be honest, if you are not going to do right, then you really should not do it at all.
EDIT2: FYI, overclocking will degrade your chip and shorten your life, so keep that in mind. Also, getting a Haswell chip that will do 4.7 let alone 4.5 at reasonable voltages is not very common and they run hot. I can tell you that the likelihood of you getting close to the clocks you want are going to be slim.