You can run Prime95 with a super duper cooler, doesn't mean it will be stable, even at default / auto CPU voltage settings (as I've found out).
I'll get a better cooler if I need one - with Alder Lake / Zen 4 out next year, buying an expensive new cooler might not be the best decision long term.
My 10700K at 5.1GHz all core @ 1.33V hits 84C, power is a bit over 200W. At stock voltages it's pushing 260W and about 90C. And it's stable.
Day to day I just set it to 4.9GHz because the difference between 5.1GHz and 4.9GHz for gaming is non-existent. Cooler is Lian Li Galahad AIO.