|You never said, but did you finally get the BIOS updated to version 1D?|
"it says I have a Toledo (new SD stepping, 1 core disabled)"
There are two different versions of the A64 3700+... the true single core San Diego, or the dual core Toldeo w/1 core disabled. I don't know if one overclocks differently than the other or not. AFAIK, newegg no longer sells the true single core version.
The TcaseMax is just what is sounds like...the max temp for the case, not the CPU. AMD isn't exactly clear on the max safe CPU temp. For your CPU, they list it as 49-71C. IMO, 49C is ridiculously low.
I would say your load temps are too high though...not dangerously so, but the A64 generally runs cooler. Did you check your temp readings in the BIOS?
I believe we have the same case...the blue Ultra Wizard mid tower from Outpost? The only case cooling fan I have is the 120mm in the rear (blowing outward), plus the PSU. With my Asus board, all temps check...the BIOS, PC Probe, & Core Temp all report the same readings. Currently, my overclocked 3000+ (2.0GHz @ 2.5GHz) is running at 29C. However, I have a 51W CPU while yours is an 89W, so it's not a fair temp comparison. 36C at idle for your CPU isn't excessive, but your load temp *may* be on the high side.
I'm guessing that you used the stock HSF w/thermal pad? You made sure it was seated properly & the securing lever was fully locked in placed?
"it was stable running at 237x11 with ram at 185"
185MHz for the RAM seems wrong. I would think with the CPU at 237MHz & the memory setting at 166MHz, the RAM would run at (or close to) 198MHz. You do have the memory setting at 166MHz?
Have you tried temporarily lowering the CPU ratio from 11x to 10x or even 9x to see if that will allow you to raise the CPU freq above 240MHz? At 10 x 250MHz w/memory at 166MHz, the CPU should run at 2.5GHz w/RAM at 208Mhz.