Ok, I had the brilliant idea, of simply plugging the PC into the "Surge Only" outlets, instead of the "Surge+Battery" outlet instead. LOL. That way I don't overload my UPS, and I don't have to wait until next month to get a new UPS with more wattage.
So, I'm at 4.501Ghz, 136.4 BCLK, 1.3800v (BIOS), 1.344v (CPU-Z, under full load). Temps are 76-77C, according to HWMonitor. That setting is OCCT stable for 10 minutes, so I'm going to go with it to crunch with.
Unfortunately, "Package Power" isn't visible with HWMonitor when BCLK OCed, apparently. At least, it didn't show up any more.
I was going to just push it to 1.400v in BIOS, and see how high a freq. I could reach, but the UEFI showed 1.4 in RED, and warned on the side that the setting might damage things. So I settled on 1.38v. Which is still fairly high. I may not leave this as my daily-driver, I may go back to 1.200v and 4.125Ghz.
Edit: 4.501Ghz @ 1.3800v BIOS, gave me a STOP 0x101 error a few minutes into crunching with BOINC. And 4.290Ghz @ 1.250v BIOS gave me a hard-freeze. (I had been stable at that speed at 1.300v BIOS, I was trying something lower.)
So now I'm back down to a rather pedestrian 4.125Ghz @ 1.200v BIOS. At least I know that works fine, and doesn't put too much stress on the system.