hey Rich, ya it sounds like that water loop is for sure under performing. as I have my Q9650 at 4.0 Ghz with 1.304v and it idles under 30c and loads around 38c.. and when I've moved up to like 4.25 Ghz and stuff of that sort, and used even 1.38v or sometimes more, It's still never went over 35 or so c idle and I've never seen over low 51 or 52c yet..

not only is a better rad going to help, but what type of fans are on the case, are they the stock fans, you might need some better airflow on the case, and I'd actually say loose the stackable idea, and just get a really good 120.3 as it would perform better than stackable 120.2's... I'd throw a Feser TFC 360 outside the top of the case, and I bet your temps will be much better, or a XSPC RX360, but if you have to use a 120.2. I'd say either get another and stack, or try a top of the line 120.2 like the Feser.. they are great rads.. and use a good fan, one of the best RAD fans are the S-Flex fans. also try a reseat, or have you done that plenty of times.