just want to make sure im understanding correctly
Sure no problem but did you click the image link above? . . . it's all there dude (CPU-z, Coretemps, Prime load etc) you can even see how the chip is cooled!
You ran an Athlon II x3 425 95W TDP with no fan on the cpu had no problems?
Yes I am running that now and have been for the past month or so, absolutely no problems at all . . . . well except I thought I wasted money on a king kong heatsink when testing it at stock speeds and the passive load temps never hit 30°C even . . .I tell ya I did everything I could to load the CPU right up and the temps hardly moved!

. . . . I did check the heatsink and the whole socket area too and everything was running really cool! . . .once I started overclocking/over-volting and added in a descreet GPU I became glad of the extra cooling power of the 3rd party heatsink . .
95W TDP X3 Processor stands no chance of heating up under that SkyScraper!
is the vCore a motherboard feature that's software driven(like inside windows) or are its settings manipulated w/ the bios?
Well in this regard it can be both. The vCore is the petrol of the processor and has been controlled by various different means, back in ye old days of overclocking we had to arrange jumpers on the motherboard, then it moved onto BIOS control which is still the most popular but more recently we are starting to see more and more O/S controlled overclocking tool such as AMD OverDrive™ that allow both a novice and expert overclocker to perform *most* of the overclocking live in the O/S . . . still not quite bug free yet but having used it for a month or so I am impressed, AMD have put a lot of effort into this software and I wouldn't mind using it all the time although I'm still a BIOS overclocker at heart!
Here is a screenshot I made while using AMD OverDrive™ to work out how much my chip could be undervolted. I don't know what the reason is but my personal experience of testing chips over the past few years leads me to believe there is a *MASSIVE* margin of safety in the vCore that get stamped on an individual chip (known as VID) so one of the things I do first once the system has been running fine @ stock for a few days I just gradually tune down the vCore, slowly but surely over the course of a few days, eventually you will get a reboot or blue screen so you nudge it up again slightly until the system runs without error for a week!
Anyway check out AMD OverDrive™ . . . you can see the vCore control over on the right hand side under the voltage section (called CPU VID)
AMD OverDrive™ - Just more proof how on-the-pulse of overclockers AMD really are!