I have the same CPU and OC is set at 5.3. I delidded mine and have a custom water loop. Temps sit at 65 C With AIDA stress test. I have a ROG Maximus XII mobo. AVX is the key to having a stable OC with the 10900, And remember if your voltage is high it will eat away the performance over time so the benefits might not be worth it in the end. But i have no problems. I’ll link a guide i used last year.
I have mine running at 5Ghz, but I just discovered how sensitive MSFS is to even the slightest instability. Something as simple as XMP profile can cause CTD. You will also have better performance letting the two cores boost to 5.3Ghz and remove power limit set by your motherboard. MSFS uses 1-2 cores mostly with additional 4 cores for light threaded work.
Second that. MSFS is extremely sensitive to overclocking and even slight instabilities cause CTDs. Haven’t had a single CTD since I put CPU and RAM back to standard values.
I run mine at 4.7 with no instability problems and manageable temps. I don’t think I’ll try OC any higher due to limited potential gains, lack of optimization anyhow by MSFS and not worth a few extra frames per second.