Max voltage kinda depends on the cooling and cpu. for convenience, here is what i consider the max safe overvolt from stock voltage based on your cooling type:
Stock: +0.1v
Good Air: +.15v to +.2v
Water: +.2v
I've got a DFI lanparty ultra, x2 3800+, XP-90c with a panaflo 92mm. With nothing overclocked, I idle around 25C and load somewhere in the 30s. I've followed the OCing guide and managed to get 2.55GHz on my cpu by bumping the voltage up by 0.125 (load with 2x p95 is like 37C iirc). Does my cooling setup qualify as "good air" thus allowing me to "safely" go up by 0.2V on the cpu core?
I guess a better question is how much a 0.2V increase will affect the life of my cpu. I've heard that it will drasticly decrease the lifespan, in which case I would probably want to save OCing for when I really start to notice performance loss.