Hehe! Another insomniac!
You're absolutely right, my motherboard (gigabyte GA-K8NMF-9) does have a utility to monitor voltages (only VCoreA, +3.3V and +12V are listed - is that enough info? - neither mbm nor systools support my mobo, can't find the options in everest to see voltages). The program is called easy tune 4 - looks a bit like a terible winamp skin but provides a fair bit of information.
I'm running prime95 at the moment to stress the CPU.
At idle, cpu temp is about 44C and:
VCoreA is +1.420V
+3.3V is +3.360V
+12V is +11.85V
At full CPU load (after about 15mins(cpu temp is 56C)
VCoreA is fluctuating every now and then by 0.01V
+3.3V is also fluctuating by 0.01V
+12V is fluctuating beteen 11.410V and 11.600V
My PC is:

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