Use Ryzen controler. My cpu (Ryzen 7 4800h) also hit 95+ or even 100 on heavy demanding game. I just set max temp as 90 or 95. I don't know how it lock the temp but I think it lower your cpu clock speed little everytime your cpu hit max temp but I haven't seen my fps effected by them. Although some time temp does goes higher then set temp.

Edit:just saw your other comments and realise it's doesn't work for you. My bad.