The red herring in all this is these XMP profiles people keep referring to in judging if a voltage is safe. They see stuff like "the XMP is 1.5v so it's safe". Yes 1.5v is safe if you are doing automatic motherboard/XMP timings but when you start to lower these, it increases temperatures greatly. The voltage then no longer becomes "safe" unless you have adequate airflow to counter this.
I really like Igor's review here explaning in detail the relationship between timings and temperature, 1 tick completey changed stability in regards to what temperatures the modules could handle:
https://www.igorslab.de/en/does-the...r4-3800-cl14-2x-16gb-put-through-its-paces/3/
I would highly recommend reading this. One thing I will say that most people miss and it's covered by Igor above: "I’ve had the case where my RAM was stable overnight while only the TM5 was running, but after 30 minutes of gaming the graphics card generated so much excess heat that the RAM became too warm and thus unstable."
I know you weren't asking about this part of "safe" voltage and more about chip degradation but it's always worth bringing up. If we do want to talk about chip degradation in which temperatures are not the problem due to cooling... let's just ballpark it at 1.6v. I know people run more but I say this for one specific reason. Right now in the pc space with how popular Ryzen is, there is honestly no reason to even go above 3800. Most good B-Die will be able to hit tight 3800 timings with 1.5v anyway (it just comes down to can you cool it well enough to not error).
"BUT INTEL!!!!" I hear you shout. With how bad the CES showing was for Rocket Lake, a tuned Ryzen system will beat that anyway which leads us to Intel's next stab which is... DDR5. It makes all the discussion about b-die voltage basically mute come end of 2021.
Also those XPG kits you linked are Hynix DJR. That's another story.