Wow, that's a really high voltage you guys have being applied there, mine (a fully populated board 4 x 32GB) is still at defaults of 1.1v each (just checked). And no issues experienced thus far, boot or in Windows 11, or during gamging or benching. And all my settings are on Auto (for now, waiting on new BIOS before I start manually tuning stuff downwards).
It depends on the frequency of the modules. Mine seem to need 1.45v when set to 6000 MT/s.