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What made you increase the voltage with looser timings? If anything a stick would need more voltage to operate at tighter timings than rated.
And what do you mean by stressful? The only thing you're going to hurt with too much vdimm is the ram itself.
As for performance, tighter timings will always net a better result. Though it may only be marginal in real world performance. That being said 4-4-4-12 is faster than 5-5-5-15. You need to explain your question about the voltage further, I don't see where you're going with it.
I'm assuming these settings are intended to be used on one given set of memory? If so, what memory is it and what is it rated at?