I COMPLETELY don't understand what you are talking about, no offense. None of those numbers make any sense in the scheme of what I thought we were trying to look at.
So, try this. Open Hwinfo and scroll down to the CPU core specifications/sensors data. Expand the HWinfo window so it is as tall as you can get it, from the top of the screen to the bottom. Next, open Prime95 v26.6 and run Small FFT. Not Blend or Large FFT, only Small FFT.
Take a screenshot after about five minutes. Post the screenshot here. Otherwise, I have no idea what you are referring to when you say 20.50, 21.50, 7, etc.
In order to help you, it's often necessary to SEE what's going on, in the event one of us can pick something out that seems out of place, or other indicators that just can't be communicated via a text only post. In these cases, posting an image of the HWinfo sensors or something else can be extremely helpful. Here's how:
*How to post images in Tom's hardware forums
Run HWinfo and look at system voltages and other sensor readings.
Monitoring temperatures, core speeds, voltages, clock ratios and other reported sensor data can often help to pick out an issue right off the bat. HWinfo is a good way to get that data and in my experience tends to be more accurate than some of the other utilities available. CPU-Z, GPU-Z and Core Temp all have their uses but HWinfo tends to have it all laid out in a more convenient fashion so you can usually see what one sensor is reporting while looking at another instead of having to flip through various tabs that have specific groupings.
After installation, run the utility and when asked, choose "sensors only". The other window options have some use but in most cases everything you need will be located in the sensors window. If you're taking screenshots to post for troubleshooting, it will most likely require taking three screenshots and scrolling down the sensors window between screenshots in order to capture them all.
*Download HWinfo
For temperature monitoring only, I feel Core Temp is the most accurate and also offers a quick visual reference for core speed, load and CPU voltage:
*Download Core Temp
When it comes to temperature issues, taking care of the basics first might save everybody involved a lot of time and frustration. Check the CPU fan heatsink for dust accumulation and blow or vacuum out as necessary. Other areas that may benefit from a cleaning include fans, power supply internals, storage and optical drives, the motherboard surfaces and RAM. Keeping the inside of your rig clean is a high priority and should be done on a regular basis.
Prime95 v26.6 is THE primarily accepted way to do the majority of baseline stability and thermal limit testing running the Small FFT option.
Prime95 version 26.6:
http://windows-downloads-center.blogspot.com/2011/04/prime95-266.html
Further, you can find extensive information regarding the Intel CPU architectures and specifications at the following link which is a somewhat definitive guide on that subject. The information below is taken directly from conversations with Computronix who is also the author of the Intel temperature guide, found here:
http://www.tomshardware.com/forum/id-1800828/intel-temperature-guide.html
For AMD systems, specifically Zen/Ryzen, this should offer similar albeit not nearly as detailed information on that architecture.
http://www.overclockers.com/amd-ryzen-overclocking-guide/
This is probably about the most referred to overclocking guide around, and it's principles can be applied to a variety of generations and platforms.
http://www.overclock.net/t/91/ultimate-overclocking-guide
This pretty well sums things up and is equally relevant whether working with an Intel or an AMD system.
I can think of several reasons why x264 encoding or AVX / AVX2 / FMA3 apps won't work as a unilateral metric for thermal testing.
(1) A steady-state workload gives steady-state temperatures; encoding does not.
(2) Simplicity in methodology; most users would find encoding apps unfamiliar and cumbersome to accomplish a simple task.
(3) Most users such as gamers never run any apps which use AVX or FMA, so adaptive or manual voltage aside, it makes no sense to downgrade your overclock to accommodate those loads and temps unless you KNOW you will be making significant use of AVX/FMA/AVX2.
(4) Standardization; Prime95 has been around since 1996; many users are familiar with it. It is TRIED and TRUE.
For the minority of users who routinely run AVX/FMA apps, then P95 v28.5 or later can be useful tweaking BIOS for thermal and stability testing. For others, it is not recommended.
regardless of architecture Prime95 v26.6 works equally well across ALL platforms. Steady-state is the key. How can anyone extrapolate accurate Core temperatures from workloads that fluctuate like a bad day on the Stock Market?
I'm aware of 5 utilities with steady-state workloads. In order of load level they are:
(1) Prime95 v26.6 - Small FFT's (Important. NOT Blend or Large FFT)
(2) HeavyLoad - Stress CPU
(3) FurMark - CPU Burner
(4) Intel Processor Diagnostic Tool - CPU Load
(5) AIDA64 - Tools - System Stability Test - Stress CPU
AIDA64's Stress CPU fails to load any overclocked / overvolted CPU to get anywhere TDP, and is therefore useless, except for giving naive users a sense of false security because their temps are so low.
HeavyLoad is the closest alternative. Temps and watts are within 3% of Small FFT's.