Asus Z490 - Bios Done Right.
Bios will test your cooler. You can boot to windows a few times, run some regular programs then reboot and it will recalibrate the cooler.
Then just look at the prediction value. For most users, you want the "Non AVX" voltage. This is the voltage you set *IN THE BIOS*. And is calibrated for Level 4 Loadline Calibration. Set your manual vcore control closest to the predicted value, up to 5mv higher (example: if 1.172v predicted, set 1.175v, not 1.170v).
Your example voltage predictions are so much lower than mine or any other screenshots I find online for the 10900K. Everyone seems to have predicted voltage requirements of like 1.56. Which is crazy high. Are your voltages mentioned referring to a different voltage that show up in BIOS?
Boot windows and run a simple load like Cinebench R20.
Then go back to BIOS and set core Ratio to AI Optimized.
Protip: the Exact settings AI Optimized sets or recommends to you can be found in the "AI Features" page
This has worked for me thus far, but seems inconsistent. Usually it sets my CPU with a multiplier of 51. A few times, it's set it to 50. Today, it set it to 52. However, along with that 52 multiplier, it's cranked up the voltage, and has read as high as 1.52V in HWiNFO, which is way too high for comfort for me. Something to keep an eye on when using this method.
My CPU has an SP rating of 88 FWIW.