I highly recommend going into your motherboard right now and manually setting your configurations to the current intel recommendation to prevent it from degrading to the point where you'd need to RMA it. I have a 14900K and it took about 2.5 months before it started going south and it was getting worse by the DAY for me. Intel has closed my RMA ticket since changing the bios settings to very-low-compared-to-what-the-original-is has made the system stable again, so I guess I have a 14900K that isn't a high end chip anymore.
Below are the configs intel provided to me on my RMA ticket that have made my clearly degraded chip stable again:
CEP (Current Excursion Protection)> Enable. eTVB (Enhanced Thermal Velocity boost)> Enable. TVB (Thermal Velocity boost)>Enable. TVB Voltage Optimization> Enable. ICCMAX Unilimited bit>Disable. TjMAX Offset> 0. C-States (Including C1E) >Enable. ICCMAX> 249A. ICCMAX_APP>200A. Power limit 1 (PL1)>125W. Power limit 2 (PL2)>188W
Tbh, XMP is probably the cause of most modern crashes on gaming rigs. It does not guarantee stability. After finding a stable cpu frequency, enable xmp and roll back the memory frequency until you have no errors in occp. The whole thing can be done in 20 minutes and your machine will have 24/7/365 uptime.
You can have a system that’s 24/7 prime95 stable that crashes as soon as you exit out, because it tests so very little of it. That’s actually not uncommon due to the changes in frequency state that happen once the chip idles down… and it’s been this way for more than a decade, speedstep used to be one of the things overclockers would turn off because it posed so many problems vs just a stable constant frequency load.