great.
yeah reading your post, when it freezes or resets itself, it is usually the cpu voltage. note the word ususally. i know that when i have a ram issue, i will get a bsod...not a freeze.
do you still have your ram running at 400mhz?
i would definitely leave the cpu multi at 4. it will cause instability (highly likely) if you leave it at 5. also, i suggest lowering your ram speed to the next lowest or two settings below 400 speed (keep it below 400) and push the cpu as far as you can. then, if it is stable, try to up your ram speed to either get it close to 400 or overclock it a little (always nice lol).
if you get past cpu ext clock of 250, you should lower your ht multi to 3 (you want to keep it at or below 1000 for stability reasons).
p.s. i think you mis-typed...?
you said you raised memory voltage to 1.4, i think you mean cpu voltage.
you should monitor your temps while running p95 and that will give you a good indication of your cpu max ok voltage. i personally don't like to see mine much over 60 running p95. unless you are doing some intense work on it, you will hardly ever use as much resource as p95.
i can juice mine up to 1.6V and still be at a relatively comfortable temp, but the performance trade off is not worth the heat generation in my opinion.
good luck!