Need some help!

Using e8400. Kingston HyperX 4GB 1800MHz 2GB x 2, CL 8-8-8-24, KHX14400D3K2/4G

Memory timings 9-9-924. 2T rest on auto.
mem volt is supposed to be operated at 1.9v. running it at 1.98 in bios. doesnt overvolt that much, bios says about 2.0v

its running at 1800fsb linked and synced now, but its not stable. memory seems to be stable in memtest. havent run it for verry long. but cpu stress test fails so im assuming thats the error.
using 8x multiplier. my goal is to alteast have it stable at 3600mhz. maybe clock it more later.
using a zalman (CNPS9500ALED) cpu cooler. cpu and cooler is lapped. reapplied thermal paste to the stock cooling system on the s2e.

cpu 1.375v bios shows 1.42v in the voltage monitor section.
loadline enabled
cpu pll 1.60v
cpu vtt 1.36v
nb 1.52v

havent got windows running so cant check the load temps. but now idling in bios. temps:

cpu seems stable around 34c. which i think is verry nice.
NB 55c. too high?? ( i know im running a little high volt on it. but system wouldnt boot if it wasnt atleast 1.52v)
SB 56c also verry high i think.
memory is about 48c, using one of the opt temp sensors on it.

can anyone please tell me what i should use on GTL?
should i be worried about the temps on the nb? ive read around and apparently im not the only one with high temps here..

my calculation on gtl
1.36v x 0.635 = 0,8636
1.36v x 0.667 = 0,90712

0.8636v - 0.9071v = -0.0435v

about -45mV. should this be applied to ref0 and ref1 ?
how do i calculate the NB gtl_ref ?