You only need to worry about load temps, Idle ones don't really matter unless you see something odd like 60C+ at idle which would indicate a problem.

What Bclk would you like to use? Your issue may just be the area you are working at, like you may have a much easier time setting and tweaking 190 or 200 Bclk.

For now, you can loosen your ram timings to 787-20 and that should help, once you get your CPU stable then you can tighten these back down. If you want to try 190 or 200 Bclk let me know and I will give you settings to try