I actually have never seen a software voltage measurement be accurate on any of the systems I have built but you believe what you like! As for instability...maye you are right and I don't know what I am doing here? That must be why I game at 4.3ghz daily as well as anything else I do on my PC as it's triple tested stable there ?
For the record my first pc was a TRS-80 from Radio Shack as well, I don't remember what brand of tape deck I used for it's hard drive though.
The reason I keep on about psu voltage readings is due to the fact that motherboards don't have sensors for it, measure actual live voltage against OCCT if you like with an actual meter.
Dig those volt readings! If those readings were even close to the truth this pc wouldn't even turn on much less overclock or do antything...