Well, rather than websites, I go on what I can work out for myself.
In my case, a decent calibrated thermometer on my wall tells me my ambient temp. The same thermometer placed in my case can be viewed through the window, so that gives me my case temps.
Now, the laws of thermodynamics state that convection cooling (pc air and water cooling then) can never cool something below that of the ambient temperature.
Experience and web searching shows that most pc cooling systems will never be able to cool much below +5c above ambient temps at idle.
The average scenario in my pc room is Ambient 24c, Case Temp 29c, and reported idle CPU temps via Core Temp/TAT in the region of 36 to 39c. My bios readings and all those temp monitor programs that read the bios all report in the region of 22c, which is obviously plainly wrong, as it's below the ambient temp.
So, I believe the Core Temp (V0.95 for my E4400) readings because it's the only one that fits with the other facts that I know about the environment the PC is situated in, and fits with the laws of thermodynamics.
Also, with your average PC temp probe such as those bundled with fan controllers and pc's (even Lian-Li's!) you have no way of knowing how accurate they are either, as they are not calibrated.
If you want piece of mind, then buy yourself a decent thermometer and mount it in your case, and then see what Core Temp/TAT report next to it. Also check what your Bios is reporting, and if it's at or below ambient, you know how wrong it is!