When there was no fan on my chipset I was running 270HTT with random lockups with NO extra volts but when I put the fan onto the chipset I could run at upto 420HTT at a temp of around 43-47C (depends on room temp) with .375V passing through the chipset and havent had a problem since.
Also noted that when I push 1.55V through my CPU when underload the mobo overvolts the CPU by .15V!!!! giving me a total of 1.7V (through a brisbane @3.3GHZ)so when your overclocking you have to take into account for an almost 10% overvoltage factor at load and about a 3% overvoltage factor at idle.
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