Whereas I can adjust voltages up to 1.55 in bios, RMClock only gives me 1.45 max as an option, however ending in "real world" 1.55...no issue, but something to remember while setting. However, as I said this may be different for your board.
Regarding mem I for my part are in favor of tighter timings. However, with A64s it does not matter anyhow. Differences of 1-2% still have to be evidenced for one or the other...
My current 193MHz on the mem are not satisfactory of course. However, I plan on overclocking further.... But when I end up sticking with 2700MHz, I definitely will loosen timings and go for 245 MHz memory frequency with a lower divider....this will be indeed faster then...
And mem is the XL, yes (plain black heatspreaders)