Try asking on the MSI forum, someone there may be able to suggest optimal (non OC) bios setting for that mobo/cpu combo.
If no luck there, try some overclockers forums.
Ryzen 5 5600x, B550 aorus pro ac, Hyper 212 black, 2 x 16gb F4-3600c16dgtzn kit, NM790 2TB, Nitro+RX6900XT, RM850, Win.10 Pro., LC27G55T..