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TjMAX for these CPUs is generally around 100C (IIRC package temperature [design] limit 72C though so you might be getting some throttling) - as long as you are under that it is operating in spec - though generally lower is better for long term lifespan.
It is absolutely safe, but still your temperatures arent what id call normal. My 12900k on a u12a rarely exceeds 60 when gaming.
What case are you using and what is your ambient? Also do you have your aio as exhaust? If yes, that explains the temperatures
Given that you have top exhaust aio makes sense that your temps are on the high side, since the heat of the cpu gets exhausted through the radiator.
You fan undervolt without losing any performance but it wont change much, its your gpu heating up the radiator that causes high temps in gaming
Install HWINFO64.