To go along with what YellowBeard has stated. I have a F-120 that is roughly into 3 weeks of use. I have HDTune Pro 4.6 on my system. I am showing the 05 as being a warning as well. What is wierd I find is that the E7 shows a temp of 86, but the temp reading at the top and what shows in my Taskbar is 98 and it does move around a bit. I do feel this reading is correct. Why it would show one temp in the SMART window and then show a different temp elsewere is a great example of what you are describing. I am very glad to read this as I was thinking that maybe my drive is defective.
YB, you stated that your Corsair Utility showed a different reading, what Utility does Corsair use?
Thanks for the info!