1.3v? 1.8v? No way.
1.5v straight kills your chip in minutes, at 1.8v you probably just hear some little noise and then have your chip and possibly socket dead.
1.3 is the 'long term use' maximum for haswell, if you can cool it.
And there is no 'stock voltage for any chip. Each needs other amounts of voltage to run. I think the highest ive seen for the 4790k on stock speed was 1.2v, hence why I said between 1.1 and 1.2v.
I've been indeed quite lucky on my chip. I can reach 4.9ghz with 1.38v on a 4 vrm phase motherboard. I'm quite sure it would do 5ghz on 1.45v, but im not going to test that with my cooler and motherboard. It has all just been testing anyway, I run my chip at 4.4ghz on all cores. Anything above that isn't worth it to me, temperature*voltage/performance wise, yet.
About why you started this topic: Yes, a lot of motherboards with non updated bios versions heavily overvolt the 4790k on auto settings. My board on bios F1 would power a full 1.36-1.42v into my chip at stock. After getting F6, it gets me 1.156v under load and a bit more in idle (llc turned one) after speedtests, before going to 0.9-1.1 in idle. Thats a quite good behaviour, except for the high llc take.
So if you're worried about that, just manually set your voltage to the lowest possible that allows to boot and then add another 0.03v to be fully stable. If it boots at 1.15v, give it 1.18v until you install the OS and have time to tweak/flash the bios.