If you were 4.5GHz @ 1.35V. Start by using settings + offset number that gives 1.35V under Prime95. Next, lower be 0.10V each time starting at 1.35V until the computer crash testing with Prime95. Then, increase the offset by 0.10 and retest. If it's stable, try lowering by 0.05V. If still crash, increase by 0.05V.
Do you guys really shrug off crashes like this?
My ritual involves ghosting a backup before overclocking and restoring if after I've reached a stable point but crashed in between. I don't know what Windows and other apps are doing when the crash happens, like caching something to disk.
Also, when you get close to the limit of the CPU messing with LLC can improve stability at lower VCore. I've seen several PCs BSOD during stress testing with max LLC at a lower VCore, but get stable at the same turbo ratio with 75% LLC and a higher VCore (but effectively the same load voltage). Transient stuff exists, I just can only see the effects of it. Also depends on the motherboard. I have my ASUS Sabertooth Z77 pretty much set to 1.22 V, turbo 46, disabled C states and it just works.