I shit you not, I was in the process of writing an additional reply that suggested putting your power limits both back to 157 if that didn't work, and moving forward with turbo ratio adjustment.
Your first question: The turbo power LIMITS are just that. They are limits, in wattage, of how much power the CPU can try to pull to try to achieve its turbo goals (this would be the turbo ratios). The 56 seconds setting is the definition of what it will consider "short" duration, to make the distinction between how much power it's allowed and for how long. For instance, you could say you want the CPU to be able to pull 200W but only for 10s, at which point it's only allowed 100W for turbo duties from that point onward, until it comes back out of turbo and makes a new request. This could look something like 200w for 10s and then 100w for 5 minutes. Just an example. Instituting these limits doesn't inherently tell your processor it can't try to run that fast, it just gives it less fuel when it tries. These can reduce temperatures (indirectly) and power bill.
I'm glad you found the OC lock. I had also found that in my laptop's BIOS between writings, and was doing my own testing to see toggling that would let me into more settings in XTU, but I don't have the same computer or processor as you, so my results vary from yours in that regard.
Your second question: The turbo ratios are directly correlated to the frequency that the CPU tries to run at when turbo, so reducing those ratios will directly reduce the ceiling of speed at which your processor can run. This would also, more directly and drastically, result in lower temperatures and lower power draw. You're literally telling it to run slower (when turbo).
I don't necessarily suspect the core speeds being different from eachother being the problem, but it's possible. I was going to suggest dropping each of them by about 5 respectively, which would have left them different from eachother, but a reduction across the board. I was also going to suggest the same thing on your E-Core ratios, but if you find that the change you already made stays solid, then I'd leave it. No reason to reduce it further if not for stability, unless you're just really wanting lower thermals for your laptop experience. This obviously costs you overall performance. If you ever want to confirm your ratio settings took without having to book back into BIOS, you can use HWINFO64 to see them individually.
When you open it, it'll pop up a system summary window. Close that, then in the main window you should see a list of dropdowns on the left side. open the Central Processor(s) dropdown and click on the name of your CPU. In the right-hand pane that opens, you can scroll down to the "Operating Points" section and see the "Turbo Ratio Limits (P-Cores)" entry and "Turbo Ratio Limits (E-Cores)" entry. It'll show something like 56x(1-2c), 52x(3-4c), etc. The x part being the multiplier, and the 1-2c part being which cores it applies to. Not necessary, just a tool you can use if it adds any convenience to you.
In response to your long term health question, I don't want to speak beyond my personal knowledge here, but with my current understand, I THINK:
The actual CPU usage is just a metric of how saturated or at-capacity the CPU is by its current task load. This doesn't have much bearing on life. The main factors that have influence on overall CPU lifespan are HEAT and power. Having good cooling is one of the best ways to elongate CPU life, as well as running it with an appropriate amount of power. Both of those reasons are why overclocking generally reduces life, as overclocking is usually giving it more power and pushing it harder to get more performance out of it, at the cost of higher thermals and higher power draw.
So, in your case, the 4500MHz turbo would hypothetically keep it cooler and drawing less power, which hypothetically would have a longer lifespan than the 5200MHz. It would also be slightly less performant. However, I wouldn't say you're likely to have a noticeable difference in lifespan in this case.
You may be able to drop it down to 4500MHz and not see much change in FFXIV, as your GPU is doing most of the work there, but you might find a bit less performance in CPU-centric tasks. Just FYI.
Hope that helps,
Giri




