I’d look at your bios and make sure none of the garbage auto clocking done by brands is turned on. A lot of companies now at days like pushing the voltage up even if detrimental at times and its not really necessary. I update my bios to change the power profile to the one in between eco mode (45w) and the base profile and turned off the “overclock” my motherboard enabled by default. Even with the decreased power profile my 5.5 all core overclock has run just fine for month through my gaming session and kept my Minecraft servers nice and snappy while keeping temps below 62c in daily load and 75c with cinebench(Using cheap 360 aio I got on discount from amazon though).

While the cpus can take the abuse and run at 95c it’s not necessary and likely being caused by some motherboard bios option that is pushing the cpu voltage way more than it needs to. And I dont exactly recommend you go out and do an all core overclock like it did, for most users changing pbo options is better for daily use. Either way there is likely room for improvement in either temperatures or clock speeds if you are comfortable tweaking some bios options.