I haven't run Prime95 in a while, but IMO Prime95 alone isn't good enough.
This was rare I'll admit, but on an extremely overclocked system, I could get Prime95 to run without error, until I threw even more tough stuff at the computer.
ie. Prime95 would run fine, but Prime95 with Unreal Tournament intro flyby simultaneously would cause a problem. At default speed (for both the CPU and the GPU), it would run fine. Turn down the GPU speed and keep the CPU overclocked, and I'd still have problems with Prime95. Dunno why exactly, but I wonder if it was partially due to case temps. Thus I would declare the system to be unstable, despite the fact that basically everything I ran in real life was "stable". Back down the overclocking on the CPU, and Prime95 would be fine. (Despite the fact that these programs are supposed to work only at idle, adding it stresses the computer more than a 3D game alone. Indeed, if you benchmark a game with OGR for instance running in the background, there are small but significant consistent slowdowns with FPS rates.)
My fave was when my friend tried to convince me his overclocked system was stable, because he had been running that config for 2 years. He said he was fine even playing games, although I did note that every once in a while he'd have strange problems with a few games. Any 2D stuff (eg. mail, word processing), was 100% fine however. I finally convinced him to run Prime95. Guess what? Prime95 reported errors. Backed down the speed, and no more problems with Prime95.
My philosphy for overclocking: Assuming there isn't a problem with the software, run the most hardcore series of burn-in tests you can find (which at the time for me was running several CPU and memory tests individually, then simultaneously, and then a CPU test with a 3D game loop) until I got to a level of 100% stability. Then I'd back down the speed a couple of notches. In other words, if I my CPU can do all I throw at it at 25% overclocked (but not 26% overclocked), then I'd consider running it at 15% overclocked.
All that said, I dunno how reliable the current version of Prime95 is with current hardware. I am not excluding the possibility that there might be a bug or incompatibility somewhere. However, I suspect the system in question here may simply be unstable, by my definition. If so, I would not trust my data to such a computer.