Honestly, you’re basing a lot of your assumptions on fear and uncertainty, and not on reality.
Walmart and Intel are two of the richest companies in the world. WalMart does not follow around all shoppers with a security guard to prevent theft. That would be stupid because they would end up losing more money. Instead, they employ 0-2 security guards per entrance to deter people out of stealing.
Intel WILL NOT review every chip under an electron microscope, layer for layer, to find the exact location of failure. This would be INCREDIBLY costly, and they would lose so much more money than saved (by denying warranties).
Intel may review a small sample of chips to get an idea to how they may have failed, so they can reduce the number of failures in the future (decreasing warranty claims). However, again, they have no way to know whether the end-user intentionally destroyed the chip, or whether a problem with the CPU microcode killed the chip, preexisting fault (no silicon die is identical; all will have impurities within it), motherboard, power supply, or other thing killed the chip. They won’t be 100% certain. In some instances, when they do check a small sample of the RMA’d chips, they may be confident it was user-fault, and even then, they won’t hunt down the person at fault.
Amazon, Ebay, and Aliexpress get scammed every day, and they know it. People return bricks in their packages for a full refund, pretend like they never recieved an item, or that the item is defective on arrival and just do a swap when returning. When one of these companies finds out who scammed them, they aren’t going to send lawyers after the scammers at fault (if it’s a small amount of money). Reason one being because the lawyers will cost them way more money then they’ll get back. Another reason is that they may just end up losing the court battle in the end. Instead, what these companies do is just ban your account and prevent future transactions with them.
ANYWAY, don’t you worry about Intel finding out about you overclocking a chip (or running it out of spec). If you tell them you have never heard of XMP profiles, never heard of overclocking, and tell them you used Dimm modules with a rated speed that matches the CPU, you’ll be fine, and they’ll accept a warranty, and move on.
Lastly, keep in mind Intel runs all of their CPU’s way below the deathly voltages and temps to minimize RMA’s, so you have headroom before danger presents.
I do not condone scamming or stealing from any companies for money, their products, or other reasons. They were only used as examples. I don’t condone breaking the law. I do not take responsibility for you breaking the laws. Live your life the way you want, and keep me out of it.