Hey man, thanks for the reply!
So yeah.. the WHEA issue is fairly recent (couple of weeks, doesn't necessarily happen every day and usually not more than once), but the voltage issue was always there, and I did try different memory sticks.. in fact I even have currently something that COULD be a problem, but is very likely not, because it worked fine before, works now and I tested all 4 sticks: two are 2100mhz and 9/11/11/31 while two are 11/13/13/31 2400mhz.. this doesn't normally work so I set them to 10/11/11/31 2100mhz and they both work.. I really did test this for over 6 months and had no problems so I seriously doubt this is an issue, especially as some of these problems (CPU voltage) occured even when only having one or two of the same sticks in there. XMP is also off.
I only use XTU to reduce the voltage, and even if I don't I just boot it up to check if it's the right voltage (and that's when it spazzes and says stupendously high numbers).. I don't REALLY know if it gets that much voltage ofc, but it does tend to get hot considering I have a very good case and a pretty decent custom AKASA heatsink+fan.
The real weird issue is this.. these WHEA errors did start only reasonably recently, with another install of Windows, whereupon the CPU also stopped heating up so much despite supposedly getting all this extra voltage. I am pretty certain SOMEWHERE in that line of bios/cpu/windows there is a problem, but short of another Windows re-install and hoping for the best I don't know what else can be done. And I'm 100% sure it won't fix the over-volting issue, as that has plagued me for years now, on many different Windows installs. As for the PSU, I have an 850W Corsair RM, I simply don't have another PSU to test with but this one had no problems running a 390x AND 4790k for almost 2 years (I have a 1070 now). I can't say it's GFX either because the WHEA thing started about 2 weeks before I got the 1070, and I even blamed the GFX for it initially.
Do you think there are some general fail-safe settings I could manually adjust in BIOS to get a constant voltage to the CPU and turn off AutoOC (or whatever the hell that 4-4.4mhz boost clock is called)? I mean, I think Gigabyte's OC is already off for me, that turbo-whatever clock thing is an Intel feature, I believe... perhaps if I set a constant voltage in BIOS and do everything manually, it will work better?