It is something the OC community decided upon. I hope you not following it and running your's at 95 degree.
Cooler too is something people wouldn't want to unmount and furthermore, if a person set aside a budget and then advising him by not giving him a optimized build according to the budget, what is the point of advise then?
I've been to amd community forums and the major consensus is... nothing it's basically how comfortable you are with the temps to performance ratio. Like me for example, I'm fine with my cpu's performance at that temp which is why I'm keeping it. The 95 degrees is basically a do not cross line.
You see, advising a person's budget to their needs within expectations means you pick parts based on how much concrete fps a certain part will give.
Like ts wants to game on high with a 1k-1.1k budget. Just the GPU alone (2060/1660ti) takes up close to half the budget. Sure you could recommend a 1660 and get a better cooler like a hyper 212 which costs like 50 bucks for a possibility of an extra like 5fps(since it improves temps over the stock like an extra 5-8 degrees?)? I could give an average of extra 20-40 fps if you used that money and top up a bit for a better gpu.
So you are telling me you would rather change the motherboard over a much simpler swapping of CPU cooler? You always pick the lesser of 2 evils which in this case, is the cooler to swap in the future.
Lastly, you are blowing the temps thing way out of proportion. https://m.youtube.com/watch?v=XOOohlyJem0 and take a look at around the 20 mins mark.
Notice the stock out of the box experience temps? Let's just +10 degrees for the sake of argument since our ambient temps are higher. Even with that, the temps are pretty good at stock. And by stock, it means a total out of the box experience without changing any settings which means precision boost is enabled(by default).