I destroyed my second CPU, a 14900KF, while having already been aware of that recommendation, and having disabled all of the settings like that that the motherboard vendor had enabled by default prior to ever inserting the replacement CPU, and only used the CPU with those settings; it still destroyed itself, like the first. I am very confident that you can still destroy a CPU having done that.

That isn't to say that using conservative settings is a bad idea (and maybe doing something further, like running memory at minimum frequency, not just using the Intel recommended default rather than the motherboard vendor defaults, might actually manage to reliably avoid CPU damage). But I am confident that just running standard Intel recommended settings is not, alone, enough to avoid damage.