You have to figure this one out for yourself. I'll have you know that you should be able to run everything you want at stock speeds. Overclocking generates more heat, voids your warranty, and you may fry your CPU without adequate cooling. So the first couple of things to note are your cooler and your temps. What temps do you run at stock settings? Do you only have a stock cooler? The stock cooler is only meant for stock speeds but you might be able to get a small overclock with it. You sound like you have been trying to overclock already but not completely satisfied with your results. You just have to keep adjusting the core voltage and the reference clock that's 200 by default and the multiplier. Also you can try messing around with the load line calibration to go even higher if you seem to have reached a limit. Keep a close eye on the CPU package temp with HWmonitor as you run prime95 blend test. If temps get too high your CPU might start throttling. If that happens try a lower vcore and/or lower multiplier/reference clock. It takes a lot of time to get the best overclock possible but you can do it.
Edit: I forgot to add this... Disable CPU spread spectrum, turbo core, AMP(Application Power Management) C1E, and C6 support. You can keep cool& quiet mode on if you want.