The problem with that logic is that chipmakers "bin" chips according to how well they perform. Even though the chip in your Charge and the ones in other phones are technically the same chip, they may perform very differently due to manufacturing tolerances.
Oh, I understand that, that's why I'll still test everything very carefully to make sure its stable, and I never go above the max stock voltage. In fact, I tend to not go higher than I can remain stable at with a slight undervolt, as I'm huge on efficiency. If I find I can substantially undervolt the lower multipliers and remain fully stable, I can usually push the chip a bit faster than stock and still have the same or slightly lower voltages even at those levels.
Just like with PC cpu's, binning takes place, but many chips can still perform as well as chips that were graded higher, it just takes more experimentation and testing to get them there, and manufacturers do not want to do that. It's much more efficient for them to be able to run every chip at the same speed and voltage without having to test stability, which is why binning takes place.
So there's typically a good bit of headroom in each chip, which is where you can gain some efficiency. Because manufacturers don't want to test each chip, but don't want to make products that have to be sent back, a chip has to exceed a standard that is some considerable margin higher to be considered a certain "grade". Many chips that are lower than this standard could still perform at the level of the higher "grade" chip, due to this margin. That's why if you're willing to take the time to experiment, you can typically find ways to pull a bit of voltage out at each level, and/or increase maximum clock speeds to a slight degree, without any impact on stability.
I've been running my laptop undervolted for years with all the different processors I've thrown into it, and typically undervolt my slightly overclocked PC builds. But if you're not familiar with the incremental process of testing stability after each change at each multiplier, I would shy away, as you're likely to just make your phone unstable with no tangible benefit. Also, while its certainly possible to increase voltages a bit above stock and raise the clock even higher, this comes at the expense of both battery life as well as the potential to damage your phone, which is a trade-off I'm not willing to make.
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