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If it works for you then that's great.
Over the years I have found that a "stable" gaming clock can become unstable as games get more demanding and I upgrade gpu putting more stress on the cpu to keep up. This can also manifest itself as being a problem to only one game. Making it seem like its the game that is broke.
At the moment I can run Aida and Realbench for hours at 1.25v, this is also good enough for 99% my games. However, black ops 4 crashes every now and again. To make this game stable I need 1.32v. Quite the jump.
Definitely the former. Especially if the CPU is overclocked. Even at the rated voltage the chip will gradually start to degrade. So under volting to get stock speeds to work will prolong its life. I mean eventually you need more and more volts to get the same performance again.Either degration or windows security and Intel patches causing my OC to fail?