This is strange cuz I was just there today getting an up to date Ti 4600 bios....
Don't worry about getting a new bios just edit yours to your present clock speed & if you have problems turn it down with the clock utility you already have or re-edit.
I wouldn't enable FastWrites or SBA cuz they don't mount to a hill of beans and in most cases cause problems.
How high can you go ?? only you can know cuz all systems are different. you need to test.
In reality it's not worth OC'n unless your playing a game that needs it for the extra eye candy , won't make ya surf faster...hehe
Keep using your clock utility & only OC for the game...your own words "don't wanna flash it and mess it cost me a good $657"
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