Found another very useful page on this that confirms Speccy is the way to go using the thermal margin method, its even recommended by AMD!(they recommended Core Temp that reads the exact same temp/method as Speccy) -
http://www.overclock.net/t/1128821/amd-temp-information-and-guide
I've also since found out that both ASUS Probe 2 & Speedfan use the SMBus (System Management Bus) to measure Temp that I've found to be way off when compared to the thermal margin method.
Lastly mta, Intel & AMD Temps are worlds apart. my AMD FX 8350 CPU has Max Recommended Temps of 61c for 24/7 use like I use it & 70c B4 it will start to throttle itself. Intel's can/do run much higher I believe?.
oh & I run all Noctua so that is definitely not the issue. it basically all comes down to the old ways of measuring CPU temperatures(BIOS/SMBus etc.) & the newer more accurate way via thermal margin, *at least for AMD processors.
theirs just a lot of confusion on this subject & it took me a shitload of searching to finally find that one article that I trust is what AMD recommends, not just joe blow armchair PC expert that all have a million different opinions, I only want to hear what AMD has to say & I finally found it!