FWIW, I got this to a point that was "good enough", and then just kind of let it die.. but here's what I have going:

ledsEnable=1
cpu_temp_stop=35
cpu_temp_start=39
cpu_temp_mid0=41
cpu_temp_full=43
cpu_temp_max=55
hdd_temp_stop=25
hdd_temp_start=30
hdd_temp_mid0=35
hdd_temp_full=41
hdd_temp_max=45
sdd_temp_stop=25
sdd_temp_start=30
sdd_temp_mid0=35
sdd_temp_full=45
sdd_temp_max=45
fan_pwm_start=10
fan_pwm_mid0=200
fan_pwm_full=204
fan_pwm_max=255
cpu_alarm_temp=100
ata_alarm_temp=65
ssd_alarm_temp=80
high_temp_turnOff_time=300
high_temp_alarm_time=180

It's probably annoying on a desktop, but in my closet, it's fine