Run Memtest before stress testing. It tests the RAM and checks for errors. It he ram is unstable it can run for days and weeks before it gets a hiccup and suddenly a BSOD. Its free so no cost to use but it needs to be installed on to either a CD or thumb drive because you run it from the boot menu from the BIOS. This is always the first test done because everything is dependent of this being stable. You can't just arbitrarily change setting and not test them and test them fully or you will be chasing issues in circles.
https://www.memtest86.com/compare.html
Get V8 free and follow the directions. It has its own UI once it boots up and separate from the OS so as little memory is actually used as possible so it can be tested.
You can not "Fine Tune" any settings without stress testing because you need to test after every change and you can only change one setting at a time or you will not know which setting is not stable causing more testing time to test both individually after. Do not skimp on testing and allow the tests to fully run unless it shows an error. If an error is detected then you can stop the test, adjust settings and restart the test but let them run the full amount of time they are supposed to.
As a first step you should reset the BIOS back to factory and test for stability once stable start dropping the CPU core voltage till it errors/crashes testing each time you drop the voltage. This is called under volting and will give you a good idea of how well the CPU will over clock. The lower the voltage it can run and be stable the higher the frequency it can hit before heat becomes an issue. The point is that once you find your lowest stable voltage then you can start upping the core speed adding voltage only as needed to achieve the lowest voltage at a high stable frequency.
EDIT: I feel I must mention to be sure to check what the maximum voltage for the CPU core voltage is before starting an overclock. IF you go to far you fry the chip.
Once you have your CPU core speed and core voltage write them down and reset back to factory or the stable you found as a starting point ( be sure the RAM timings are set properly and don't let the system read the JDEC and set it by that because it can set the timings looser than you can achieve by setting them to factory stated settings ) and start with RAM overclocking running Memtest every time you change the frequency till it errors back it down till stable and write it down again. JDEC is there as a easy boot setting to allow the easiest possible boot environment to ensure compatibility with different CPU's. This is not the manufactures recommended settings and can be a lot slower than what they can be run at. Timings are different than speed but both play a large role in how fast the memory can perform actions.
Now that you know each max points, you can not just throw the two together because it most likely will just BSOD on you because the memory overclocking can affect CPU core overclocking. Now you mix the two together starting with the CPU near or at max and start with the memory at the middle of the OC and go up from there. This will give you an idea of where you can end up and take a bunch of guess work out of it.
As for fans, be sure the rear fan blows out of the case. You don't want to draw all the hot air through the radiator because that will heat up the CPU more for no reason. The rear fan also removes the warm air from the VRM that will be now producing more heat due to the overclock. Why suck this warm air through the radiator? Cool air in from the front bottom corner and hot air out the rear and top. This is the most efficient air flow path in all cases. Its fine that you have 2 120's on the front because it will help cool the components but the most efficient air flow path is what I just mentioned and a second front fan just helps add more cool air into the mix.
$200 out of pocket cost is a hell of deal for what you have.
I love MSI's Afterburner for OCing GPU's although my son not having my experience fried his AMD RX 580 GPU pushing it to far. This is why testing is so important. Just because it seems to be stable doesn't mean it is and running with bad settings can damage the parts and then your out the money. My son always seen me do an OC so quickly that he figured that it was easy and found that there are limits and going slow is the best option.
OH after thought: Overclock through the BIOS not MSI's programs. All overclocking programs no matter who made them add the potential for instability so it is best to just do it in the BIOS. Besides some settings like the north bridge, hyper transport or what ever Intel calls it now can not be adjusted without a full restart so you are already at the BIOS.