I get similar temps watercooled with a 9x120 external rad. 95 max on 1 core @5.1ghz all core. About 10-12 degrees between the best and worst pcore.
At 5.1ghz AI optimiser had the vcore quite high so was using 260 watts.
5.2ghz all core went crazy and was using 370 watts. Temps were hitting 110+ degrees.
Gaming is fine though, worst I've seen is 60-70 degrees.