All this time my OC setup was all wrong. I didn't pay attention to LLC (Load Line Calibration)/Vdroop under full load until recently. The 'board's AUTO LLC was doing a terrible job keeping VCore high enough. Which is why I needed to run 1.315 on VCore for 5GHz all core (and mind you, this is still much lower than auto 5GHz overclock the board does). but VCore was dropping as low as 1.200 under all core load. So, I realized I have a damn good 8700K.To stay stable at only 1.2 VCore at 5GHz is really good. So I fixed LLC so VDroop would no longer happen. and was able to lower actual VCore from 1.315 to 1.2 and still be 5GHz stable. Instead of using auto VCore voltage settings I set it to Turbo (extreme overvolted like hell, always overshooting VCore setting, but turbo seems to be stable right at VCore setting)
Then I figured, if CPU can do that, it'd be a cakewalk to push it to 5.1 GHz. So I just threw in random number of 1.28 VCore, dialed up to 5.1, and sure enough. stable as can be. all stress tests passed. I need to fine tune still to see if 1.28 is even needed. But for time being, 5.1 is stable with decent temperature results (peaked at about 80C under extreme heavy stress test loads. More realistic loads are 70-75C). If I can fine tune it more. it'd just be to improve temps even further at this point.