I found my final settings. Nothing too extreme for this site, but I am happy.

CPU: 3.66GHz
RAM: 1544MHz

Cpu Multi: 19x
Bclk: 193
RAM Multi: 8
XMP Profile On
CPU Vcore 1.38750v (1.36v on Everest)
QPI/VTT 1.240v
IOH Core 1.240v
DRAM 1.65v
HT: On
Turbo: Off
Speed Mode: Standard

Temps:
CPU Cores: 38-41C Idle 65-70C Load (Using Everest System Stability Test)
Northbridge 57-61C
Motherboard 48C

Simfan, thanks for the tips