Get a new PSU...that'd be the only way to 'fix' the rails, there is no real way of 'fixing' it though =/ Other than that, unplug devices you don't need.
that page tells you what devices take out how much of what rail.
So what are your system specs? What kind of things are you running? When counting fans you gotta count any in your PSU too, EVERY fan not just case fans, ANY thing that spins and creates wind current. But a 20C increase (30C if you said it's like 45C idle) is pretty damn insane, 45C Idle alone is rather hot for an Intel especially, or atleast this is what I thought. It took me a total of 9 case fans, SLK-900A, AS5, Tornado CPU Fan, and 2 PSU Fans just to achieve 42C idle on my AMD 2400+ XP because it was running at 64C in a case with just the side panel open, no fans and stock heatsink and fan. But AMD's are known to run hotter, that's why I was thinking your was insanely hot. Definitely don't overclock that anymore. Turn it down if it's OC'd is what I'd say.