In bios it will always feed it a higher voltage, see in windows what is teh real voltage, for my ryzen overclocked to 3.87 it feeds him in bios 1.43V but in windows when it is idle it goes to 1.3V and when i stress it will go to 1.38-1.4V.
If you dont plan to overclock then i say dont worry.
Ryzen has the best auto-voltage from what i've seen in my life, it does not feed too much or too low, it just gives exactly what it needs thats why i keep mine on auto voltage.