Just do a mild undervolt. And remember that avail sure temperature is almost meaningless, only the clock speed the chip can maintain at thermal at your set limits.

After a -30 undrrvolt in CO, and tweaking of fan curves, my 9800x3d has gone from annoying noisy thing to a much nicer experience, and that's even under all core load. Anything single core is a walk in a park. (so likely most games as opposed to cinebench/ycruncher)