OK! I've figured it out...
1) Until someone at ASUS or otherwise Takes the 15 seconds to load the BIOS update posted onto an XP machine and save it as a .BIN or .ROM, then uploads it somewhere... everyone using Windows7 or a 64bit system is S.O.L.
Sorry folks... thats my professional opinion... which I usually get paid 50-75$ an hour for...
2) The "Smart Doctor" Utility is crap. Its taking the high end of the hash values for its medium... what does that mean in English? That means that your card is shipped to you at a 550 GPU and 1050 Ram Clock. The high end, for something like ATI Overdrive, posts it at 680 (max overclock for GPU) / 1300 (max ram)... The Smart Doctor what ever it is.... STARTS with 680 / 1300... so it cranks it up WAY HIGH .... if you attempt to flash or mod the BIOS what so ever to fix your over heating issue. I'm not even going to tell you how to cope with this malfunction, because it is just that. I was able to get 1 BIOS mod to work with Smart Doctor after I realized it was doubling all the values, for the most part.... and well... No not going there. I don't want to fry anyones system or get hate mail. Not my fault if your using this "tool".
3) If you want a solid / stable machine my advice is this:
Enable ATI Overdrive in the CCC: Underclock your Vid card... open the CCC and position the temp guages in the upper left or right corner of the screen. Run 3d-mark or your favorite bench program. When the screen moves to the next test you should be able to catch a glimpse of how hot your cards running.
I can live with my card hitting 70-80c.... I'd prefer not to boil water with it... which is what it does stock under load.
EDIT: Ps: I paired aM4T78T-E ASUS mobo with a ASUS 4850 ATI Video card.. both support AMD, both are crap... I shall NEVER buy ASUS again!
I do not see the issue's with EITHER of these products resolved anytime soon. (Yes, I still get random overdrive failed on the mobo even though its 100% stable)