None of the above list of alleged grievous 'software-overclocker deadly sins' listed above remotely or even applies to Intel's XTU, ergo, listing what alleged issues some other software OC sources (assorted OC Genies/Masters, etc) had or might have caused some 10-15 years ago seems ... irrelevant, at best.
Too high a voltage at default? - a core voltage value or offset, either plus or minus, is/can be applied within XTU, identically as if it had been set in the BIOS; ergo there is no default voltage increase or decrease applied. (THis fault would actually readily apply to any BIOS within any mainboard manufacturer, but, can be quickly overridden within the XTU)
The ability to manipulate base clock speed of 100 MHz is there, but, I don't know many that advocate this on today's mainboards.
The normal Intel power limits may also be tweaked here, as well as applying AVX offsets. and desired clockspeed/multiplier values entered for specific number of cores active. User may adjust Turbo Boost features (on/off, short boost power max, max power enable, boost duration, etc) a lower cache clock speed may be specified if desired.
stress Test - although the XTU does include both CPU/RAM stress test options (which have fluctuating workloads that induce temperature peaks approximately equal to those of CPU-Z's included stress routines), those are to be run manually, and are not used in some 'auto-tuning'/stability test. No one included test is really a test of stability anyway, as what good does it do to pass Prime 95/small FFTs, but, fail in CInebench/Blender, or hard reset in gaming, etc..? With SpeedStep still enabled and Balanced still selected in power plans, the rig still turbos to the high specified maximums, but, downclocks to 800-1200 MHz when loafing at the desktop, etc..
Last but not least, an XTU config file is referenced/accessed very early in each bootup; if the file was not accessed/correctly appended during a clean shutdown, all values manipulated in XTU are set aside/returned to default, quite useful if one has overstepped the bounds of stability in the search for that last 100 MHz, etc...
Intel's XTU has been a delight to work with, a very quick way to access ~90% of what most folks tweak in the BIOS. Are there a few more options in the BIOS? Of course.