Sorry, forgot to answer the rest of your question:
My original processor was horrible. I was getting 100C+ with stock settings and stock cooler while running Intel XTU as well as other stress tests. I got an RMA and this second chip seems to be doing much better. Here are the steps I took to get my temperatures in low 80C's with 4.9Ghz:
1) Got RMA for new CPU
2) Clear CMOS
3) Set Ken's settings through BIOS except current limit to 256A (although as seen above, I've just lowered it down to 169A and still got 4.9Ghz with no throttling)
4) Ran tests at stock speeds to find temperatures in 50C's at max load
5) Gradually increased multiplier to 48x
6) Gradually increased VCore until stability was reached at 1.375V
7) Increased BCLK frequency to 102.1 (to get to 4.9 GHz)
8) Set CPU Input Voltage at 1.9V
9) Set Cache Voltage to 1.25V
10) Set RAM Voltage to 1.65V (as noted on my memory)
After that, I ran stress tests to ensure stability and that temperatures never went above 83C. In fact, 90% of the time temperatures are no higher than 77C, but during short bursts throughout the stress test, it will go up a little higher, but max was 83C. Average temperature was 78C. This is with XTU, AIDA64, and OCCT. For now, I'm staying (FAR) away from Prime95.
Hope that helps.