FYI I noticed the newer bios but wanted to go to one you already knew...appears you know newest now too...lol.I don't use HWmonitor for Ryzen, in my experience it wasn't displaying the correct information. See what the voltage is in Ryzen Master and HWinfo64. Ryzen Master is the trusted program for monitoring temp. I have noticed that when only a single core or four cores are being stressed the voltage is higher than when all cores are being stressed. When stressing a single core or up to four cores the voltages I've seen are usually in the 1.43V range, when all cores are engaged, like in a Cinebench render test, the voltage is a steady 1.36V. This is not hugely surprising as 1 - 4 cores would be a "boost mode" as in the processor is supposed to boost up to four cores to 4.35Ghz so by default it provides more voltage to ensure stability in its "boost state". When you "overclock" via PBO it boosts the all core state to a higher state and @ 4.35Ghz all core my processor only requires 1.36V which is set in bios by the offset. The advantage to using an offset is the voltage will go down to a "resting state" of 0.831V @ 2.19Ghz with "balanced mode" set in windows. When doing a single core Cinebench run one of my cores is pegged at 4.35Ghz, all the other cores are at 2.19Ghz but the core voltage is 1.43V because the processor basically overcompensates for single core boost, but that just how PBO works. Its just the nature of the beast.
Now if your sitting at 1.5V as reported by HWinfo64 when running a Cinebench render then your processor or motherboard is actually supplying too much power by default and with your particular hardware you will need to set a negative offset. I would start by just going one click at a time, enter windows do a Cinebench run with HWinfo64 open and monitor your Vcore when all cores are engaged. Your goal is to get the Vcore to around 1.36V which should be stable for 4.2Ghz (Mine is stable at 1.36V @ 4.35Ghz as a reference). Once you have your setting you can either be happy with it (if stable) or continue to lower the Vcore till your unstable then reset to the last stable negative offset, and you have found where optimal Vcore for level 2 is. Every processor and motherboard is a little different due to the silicon lottery. With bios 4205 I needed a negative offset, with the newest bios I need a positive offset, but that is with my particular processor, yours may still require a negative offset even with the newest bios. Once you have your optimal Vcore you should see voltage spikes of 1.44, 1.45 max, single core boost may have the voltage at the same level, but all core rendering should be around 1.36V or lower. Ryzen is perfectly safe with voltage spikes up to 1.55V and even sustained voltages of 1.5V, but once you optimize it you really should see regular operation of voltages no higher than 1.46V (in boost mode) and a few one second spikes of 1.5V.
Anyhow..yes HWMonitor is being removed...I think garbage for me anyhow (while playing Division 2 it reported Clock speeds of like 10,000+...lol I wish). HWinfo seems to be a better bet and I like the averages...I am currently -offset of .0750 CB20 lower score 3869...but temp didn't go over 82.6.... voltage was 1.344 to 1.63 during run...and yes I see the spikes current max over last 5mins 1.462V...with ave1.161V.
Tried running Aida64 booting from cold and was able to run it for about 3 mins before I saw temp hit 86C that was when I stopped it. Today after running HWinfor64 for 6 hours..I ran Aida and within 30Secs my temp hit 88.9C stopped the run.
Earlier today I ordered 3 more case fans and Noctua NH-U14S with a second fan for it also. Once I don't have to worry about high temps then I can truly check the stability and get voltages in hand also...Should have it by next weekend when I hope to install it...
Do you have 4 ram slots populated? Just thinking about clearance on RAM side of the cooler..I figure you don't since you have 16GB...so just wondering if I will have to lift fan on that side of cooler...I know soon enough..
Gonna play a bit of Div 2 before calling it a night.
Have a great night.