If you've set 395 in BIOS and CPU-Z is reading 398, then I would say that's probably the correct reading no?
With an 8x multi, that puts you at 3160. Since CPU-Z thinks it's 398, it's telling you 3190. I would bet that's the correct reading.
What's wrong with CoreTemp? Dunno it reports fine on my system.
Try Intel's TAT (Thermal Analysis Tool).
I would bet that 72C is correct though. Dunno what your voltage is, but I would not be satisfied with that temp. Maybe at 3.8Ghz....