Gehh... just as I thought, 3.6GHz requires 1.2125v to be OCCT stable for me. Just the same as with 3.2GHz requiring 1.1225v. Ironically enough, Prime95 seems to require up to 0.03v less than that to stay stable(!).
And you can guess that to run most games, encode most apps stable enough, you just need as much as Prime95.
Hmm... will test Prime95 out tomorrow.