DrMrLordX
Lifer
but because of the hotspot issue with 7nm Ryzen - I want to be a bit more cautious.
Ditto. Watch your temps. You won't want to run volts that high in some benchmarks. I still haven't pushed that much voltage in Prime95 SmallFFTs or that awful PrimeGrid workload Larry had us all run. Also, I recommend that you use CPU-z to monitor voltage since some other applications can under-report voltage (and/or provide conflicting information).
In any case, learning how to manipulate default clocks can have some benefits. If I know exactly what I am (and am not) going to run, I can dial in a static OC and be fine, but if I want to be able to run anything casually without planning in advance, then default mode is the best option.