then only lower the OC a little ... maybe to 4.5 GHz ...
you say it's stable with the side panel open - does that also include the fan blowing on the mainboard like that ?
maybe mounting a small fan on the NB heatspreader might help.
these here are not loud at all and might move just enough air: https://www.amazon.com/Noiseblocker-NB-BlackSilentFan-40x40x10mm-Silent-3800RPM/dp/B00ZB7TD4G/ref=sr_1_2?ie=UTF8&qid=1498068771&sr=8-2&keywords=Noiseblocker+BlackSilentFan+40mm