If you havn't tried allready i would suggest adding abit more volts to the NB as that is what will need it more, especially when using all the memory slots.
About ur volts on cpu and asking is that safe, yup your well within the safe limits, its recommned to stay under 1.4 when using air, 1.4 - 1.5 when using water, any higher for long periods really needs extreme cooling.
As ur on air try and stay under 1.4 for 24/7 running. Also i would'nt worry to much that the ram is overclocked they should go a lot higher then that, my excel ram (mushkin made) will run at 1000mhz all be it with slack timmings. Id be seriously surprised if your ram would'nt run at 900+mhz.
But as said before either use 2 sticks of ram, or try adding abit more north bridge volts.