I would use the recommended values.
The real world difference between the 44 multiplier and the 45 multiplier is next to nothing. I am just curious why your CPU uses 44 instead of 45.
The 10th Gen CPUs used a feature called Thermal Velocity Boost. This feature reduces the CPU multiplier by 1 at a temperature of between 65°C and 70°C. Your CPU does not officially support this feature but dropping the turbo ratio by 1 looks very similar to what TVB does. Maybe there was a microcode update that added this feature to your 9th Gen CPU. Who knows.
In the FIVR window try clearing the Thermal Velocity Boost box and try clearing the V-Max Stress box. Clearing these boxes prevented the multiplier drop on...