Coolbits to test the settings, Nibitor to keep them in the VGA BIOS (I've now flashed that card about four times, would've been two but I had a cockup).
Yes, they are holding back on the volts. In Nibitor it offers me the option of ?.?V, 1.3V (selected), 1.2V and 1.1V. I'm not risking that ?.?V, I feel safer with a 10KΩ variable resistor on the relevant points.
I'll post more details later - boss just walked in 😉...