If you're thinking of lowering vcore, or even figuring out how it works... I would take a look at this review: https://www.gamersnexus.net/guides/3...ffset-override
You can actually lower vCore all you want, even go as low as 1v probably. Nothing will crash, however you will actually sacrifice major performance. These new chips work very differently than 1000 and 2000 series Ryzen chips. You will literally have to run something line Cinebench for each voltage increment until you know you haven't lost performance.
I've had my 3900x since last August and read/watched tons of videos regarding how it works, including dos and donts. The general consensus is don't even bother trying to manually OC it for 24/7 use. The performance gain is minimal if any, and you lose the single core / multi-core higher boost.
I suppose if If you're onlyyyy doing Folding at Home and you're on a custom loop and always maximizing the use of all threads, then maybe you could play around with manual/static OC But it's going to be a pain...
Edit: I should have added, If you keep everything stock (minus the RAM of of course, that always has to be manually adjusted), the CPU will adjust frequency based on CPU temperature. AMD's algorithm works well unless you're running liquid nitrogen.
For instance, I've gotten higher Cinebench scores in the Winter time, and slightly lower scores in the Summer time (all due to ambient temperatures).
Good luck!