This is a long post so just the following first paragraph sums it up if you do't want boring with the finer details!
These voltages are perfectly safe for your CPU but I understand why you are concerned as they are higher than they need to be for normal smooth running.
This is due to both the Ryzen 2000 and 3000 series of CPU s having their voltages set notoriously high by the BIOS.
There is more to the CPU's voltage but to put it more plainly....
The CPU's Precision Boost Overdrive (PBO) system which raises the speed during load balances out voltage, demand for CPU power, heat and thermal throttling amongst other factors so that it never exceeds its thermal safety temperature but always delivers the best performance.
This performance curve is where overclockers manually intervene in order to achieve slightly better results.
These CPU s can run very happily at around 1.37 volts even in peak demand like benchmarking or heavy gaming.
The fact that they run at around 1.48 or more is down to the design and hence what you see on your screen via the hardware monitoring software.
The program HWinfo 64 gives a much more accurate and detailed display showing voltage on all cores, CPU multipliers which lower when the temperature threshold is reached so I do recommend this one if you want a deeper understand of what your hardware is doing in realtime.
So this is why people who overclock to a great depth will tweak every possible factor and often under volt their CPU manually in order to control temperature & voltage more efficiently and consequently squeeze a little more performance out of their chips.
They often reduce the CPU's core voltage by 0.100v which means it will be running at around 1.37 volts or even less but test it so that it's stable.
This is under load though and in Windows just browsing the internet etc the voltage is controlled and lowered automatically.
More so when idling but there have been complications with some PC set ups so using Balanced Power Plan is generally the best all round for idling to heavy gaming/intensive applications.
You can also switch to Windows Power Saving plan which means the CPU will be heavily throttled even under load and consequently idles at a very low speed with lower voltage.
AMD have published updates recently stating that some hardware monitoring software can probe the CPU too aggressively and stop ot idling properly which reflects higher voltages.
Under load the CPU is throttled when it gets to 85c on your hardware monitoring software which is actually 95c as their is a 10c difference between displayed and actual temperatures.
Now this is obviously extremely high and approaching the CPU's thermal cut off where it literally shuts down in milliseconds to avoid damage.
So the hardware is built to both protect and optimize itself along with the software to balance it out with peak performance.
Also as time goes on some motherboard manufacturers will release more optimised BIOS updates to balance out voltages and performance etc.
The newer motherboards like the X570 range are more efficient with with updates that maximise the CPU's faster transfer speeds for RAM and the PCI bus.
They won't necessarily lower the CPU voltage though as this is set by motherboard manufacturers in accordance with their collaboration and working with AMD to maximise performance.
It is AMD who optimise their hardware and circulate guidelines for the masses of possible PC configurations.
You will need to stress test to determine best voltage settings under load, according to any OC you decide and your cooling system. Keeping voltage as low as possible whilst maintaining stability is best for longevity and best kept below 1.4V
VID (Voltage Identification Digital) voltage is hard coded into the CPU to essentially provide a stable voltage to maintain stability according to the task or demand.
1.475V on the core is a little high for basic use (Your pic shows the system at idle) however not dangerous depending on your temperatures under load.
I have found CPU_CORE voltage is always a little high when set to AUTO. You can adjust to a fixed CPU Core voltage in Bios and fine tune with offsets to reduce heat and maintain stability when under load.
I don't over clock, this is default, temp never go above 50oC when in use, I have found out that icue keeps it from going idle and it drops the voltage to 0.9 when that program is closed so should I set it in bois to 1.35v? Or maybe even 1.3?
You are fine with those voltages and temperatures.
Run either a benchmark like Cinebench/UserBenchMark or an intensive game to check it's ok and stable without crashes.
Have HWinfo running prior to it and it will record your maximum values like temperature etc.
You can also observe these in realtime during benchmarking.
Cinebench can push CPU s to their thermal limit so you might get a very high temperature even up to 85c during multi core testing.
Thermal throttling will kick in on your CPU to keep this rising any higher.
OP you are using the VID to measure vcore. That is NOT the right sensor! You need to be paying attention to the SVI2 Core Voltage Sensor!!!
SVI2 is the actual voltage that the CPU is getting, VID is what's being requested, not actually being used.
1.306v on SVI2 is completely safe, I'd recommend going back to automatic voltage for stock operation as SVI2 is way lower than VID.
Don't set a manual vcore if you are leaving the clock multiplier on Auto. You will kill your performance. Your single core performance especially. Run a Cinebench test before and after setting voltage manually and you will see what I'm talking about. The Auto voltage is fine and perfectly safe. Your CPU will only operate at that high voltage when lightly loaded and hitting max turbo like it is in your screen shot. Since there isn't a lot of current running through the CPU it will be perfectly fine. If you load all cores heavily the voltage will go down into the low 1.3 range. Your monitoring software is hitting the core with enough load to cause it to go into full turbo and the voltage it needs to hit that. When the CPU is truly idle it will hover at around .9 volt. Fully loaded it will be around 1.3. When lightly loaded and turboing up such as your screenshot it will hit 1.45-1.5. The CPU is doing exactly what it is supposed to be doing and this voltage behavior is perfectly normal. People sounding alarm bells about voltages and telling you to undervolt are misinformed and don't understand how these CPU's behave. They are literally telling you to make your CPU slower than a 1st gen Ryzen. Underolting the new 3000 cpu's doesn't achieve the same thing as it did on 2000 CPU's. People who haven't played around with these CPU's need to stop spreading bad information.
rigg42 nailed it. That is exactly what you should be doing.
1.45v might seem high, but because the CPU only runs at those voltages on very low loads and only during low core count workloads, the amount of amperage going thru the chip is too low to cause degradation.