what are you using to measure temp? temp monitors actually just measure the distance to tjmax. if your temp monitor is using 100c as tjmax then you're getting pretty close, but if it uses 105c or 110c then you are gtg.
of course, unless you run DC 24/7 you're not going to have any problems with your current setup regardless of whether you're at 10c to tjmax or 20c.
I personally prefer realtemp, but coretemp is nice and I hear that speedfan isn't too bad, either. regardless, set your temp monitor to display max temp, run the computer for a few days and see where you stand.
conclusion: if during your normal usage pattern you stay below 85c or so then you're ok and shouldn't mess with the stable oc.
@billybob: 4.2 is a whole lot more challenging to cool than 3.8. you could probably get 3.8 on a stock hsf at 90c.