Since I've been dragged in, I'll comment.
I followed unclewebb's advice on going into Control Panel > Power Options > High Performance > Change Plan Settings > Change advancec power settings > Processor power management > Minimum processor state > 5% (whew). After that CPU-Z dropped down to 9x on idle, a little steadier than Real Temp, which ranged from 9x to 10.5x I think CPU-Z averages a bit more or delays reporting or something. Both are more-or-less consistent with one another, and both now more-or-less agree with TMonitor64. Dropping the minimum processor state setting to under 5% produces no further changes in cpu multiplier: it bottoms out at 9x. Looking at the fluctuating processor load numbers, I suspect that the minimum could be increased without affecting the minimum multiplier.
One thing I noticed when I was using earlier versions of Real Temp and CPU-Z on my setup with an i7 860: with a fixed Vcore and a fixed cpu multiplier (BCLK 182, EIST disabled), while Real Temp and CPU-Z correctly reported that the multiplier was pegged at 22x and the cpu clock at 4004MHz, TMonitor64 reported a range of speeds and multipliers, from 9x (1638MHz) to 22x (4004MHz), depending on processor load. From that I concluded that TMontior64 reporting was aspirational: it reported what the system wanted to do, as opposed to what it was actually doing. Actually, that phenomenon was one of the things that motivated me to get an i7 875k. I figured it would allow me to have my OC up to 4GHz when needed and otherwise plod along with low speeds and low temps. I could get an Asus board for that, but RT 3.60 allows me to get that with my Gigabyte board.
Rather than arguing, you all should be collaborating, sharing info so that your apps agree with each other. Also: RT and CPU-Z need some nice help pages where the lore of using these apps are handled in exposition and in FAQ's. I shouldn't have to have unclewebb holding my hand in fixing my OS for proper flexible OC'ing, for example.