Default does not mean the voltage is okay I have seen motherboards apply some crazy voltages as default. I have never heard of a CPU getting hotter because it's dying, that doesn't make sense. Possibly the thermal paste under the IHS is bad but I doubt it. So that leaves cooling or voltage. What cooler are you using? If its push pins are all the pins tightly secured? If its bolted on are all the bolts tight and torqued evenly? You sure you used enough thermal paste? Too little can cause problems, too much is usually just fine from testing I have seen.