Asrock z390 Extreme4 issue

My Overclock Settings

CPU CONFIGURATION     
CPU RATIO     ALL CORE
ALLCORE     40
BLCK FREQ     125
BLCK SPREAD SPECTRUM     DISABLED
BOOT PERFORMANCE MODE     TURBO PERFORMANCE
FCLK FREQ     800MHZ
AVX RATIO OFFSET     AUTO
BCLK AWARE ADAPTIVE VOLTAGE     ENABLED
RING TO CORE RATIO OFFSET     DISABLED
INTEL SPEEDSTEP TECHNOLOGY     DISABLED
INTEL TURBO BOOST TECHNOLOGY     ENABLED
INTEL SPEED SHIFT TECHNOLOGY     DISABLED
LONG DURATION POWER LIMIT     130
LONG DURATION MAINTANED     AUTO
SHORT DURATION POWER LIMIT     150
CPU CORE CURRENT LIMIT     AUTO
     
DRAM TIMING CONFIGURATION     
LOAD XMP SETTING     XMP2.0
BCLK FREQUENCY     125MHZ
DRAM REFERENCE CLOCK     AUTO
DRAM REQUENCY     DDR4-2200
DRAM CLOCK     AUTO
     
CPU CORE VOLTAGE     
FIXED VOLTAGE      1.45V
CPU LOAD-LINE CALIBRATION     LEVEL 1
DRAM VOLTAGE     1.45V
DRAM ACTIVATEING POWER SUPPLY     2.5V
PCH 1.0 VOLTAGE     1.15V
VCCIO VOLTAGE     1.1V
VCCST VOLTAGE     1.1V
VCCSA VOLTAGE     1.2V
VCCPLL VOLTAGE     1.3V
CPU INTERNAL PLL VOLTAGE     AUTO
GO PLL VOLTAGE     AUTO
RING PLL VOLTAGE     AUTO
SYSTEM AGENT PLL VOLTAGE     AUTO
MEMORY CONTROLER PLL VOLTAGE     AUTO

RLGL wrote: CPU temperature while under load is...??.?

~65c has been delidded

How can you have 65°c full with a 1.45v Vcore ?

H2O ? Even if, what's your stress test program ?

And do you have a compatible RAM to run at 1.45v ?

Try this
Settings>Power & Sleep>Additional power settings>Preferred plans.. then set to High performance

And your AVX is effect to the CPU frequency so try AVX to Auto (0).

Why did you change the VCCPLL to 1.3v?
That's way higher than it should be, and this setting is really only for LN2 cooling.
I would also dial back your VCCSA to 1.15 as it's been noted that both VCCIO and VCCSA stock voltages are too high on this board and cause issues with stability.
Less is often more.

Also, I would change your Long and Short power limits to 4095 (max) and your CPU core current limit to 255.50 (max) - this may be exactly why you are having issues since you are severely limiting power settings.

1.45v for 5ghz is way too much and could be causing issues - but if your CPU needs that much voltage to hit 5ghz then you simply lost the lottery and should settle for 4.8-4.9ghz given the almost insignificant performance increases in everyday things like gaming etc.
200mhz is literally a frame or two at best in most modern games as much of the performance is also GPU related, especially if you are gaming at 1440p or above where you become more GPU bound.