Isn't the H81 one of the chipsets that added non-Z overclocking by tucking the multiplier controls into some weird other section of the BIOS? Look around in the other menus to see if you find a menu hidden away somewhere.
I don't know that you are going to achieve both stability AND a lower cpu voltage. Your DRP3 should cool a higher voltage just fine anyway. Most of the settings that will make a big difference are Vcore and the ring freq (3900 should be fine). MSI also has a utility that gives you control of...
That board maxes out at 1.2V and you can OC with it after a BIOS update, but the deal is gone now anyway.
I got the Microcenter MSI PC Mate / G3258 combo a few days ago.
Stock cooling and 1.2V gets me 4.6Ghz. Guess I am on the lucky side. This is with a few sticks of 4 year old Samsung...
I think it was just the .11 drives that had issues... but other than that I have never had problems with Seagate. A friend of mine had gotten this drive from Fry's and returned it after the endless clicking to get a Hitachi.
The flip queue size, as was in the link posted earlier, should be set to 0 for Oblivion. When I had an nvidia card that solved this exact issue, and this is the same setting for ATI cards, so try and get the ATI Tray Tools, and set the flip queue size to 0 :)
Those of us who have worked in the industry (I have) generally watch the credits. I like to see people I have worked with over the years show up in some games. It's fun. Plus, without credits, most games today don't have an ending.
Looks like Qarl's with the parallax texturing... a VERY good combo.
Anyway, usually the only ones that are a must have for me are Qarl's, OOO, and one of many leveling fixes.