I'm not sure if I'm supposed to use "Maximum Turbo Ratio setting in BIOS" or "Maximum Turbo Ratio setting in OS", I assume BIOS. But then, if I set the turbo multiplier for a mild overclock, say 40 or 42, the auto cpu vcore voltage will probably boost it too high, which I don't want, I want stock voltage. But if I set the CPU manual voltage to 1.2V (I believe that's my VID), then I think that the CPU won't undervolt correctly when idle. Plus whatever other BIOS settings I may be forgetting.
My reasoning for not wanting to increase the voltage is that power usage and heat generation increase exponentially with voltage increases, and only linearly with cpu frequency increases. I'd much rather have a minor overclock with only linear increases in power usage and heat and performance, than a major overclock with major increases in same.