You miss my point entirely.
I said that if you want it to be stable for smp folding you need to fold to test the settings.
NOT use OCCT or prime 95.
Think about it, having prime 95 run will only tell you if its stable enough to run prime 95..
If you change the settings to get it stable in SMP folding you won't have to worry about anything else, since your only concerned about having it fold.
Change settings, reboot, fold, if it errors its not stable to fold...
Change them until it does not error.
OC setting may never be stable across all situations, so test the settings using what you want to do most often.
This is why I stoped folding and OCing, because I could get it stable in prime 95 just not in SMP.
And for me I saw no reason to fold at stock speeds.