Right now I enabled Precision Boost. I have it set to +200mhz and -20 on all cores in Curve Optimizer.
That alone will add more heat.
All of Zen 3 cpu's tend to run hot, and they run high volts during lightly threaded tasks. Seeing in the region of high 1.4's and 1.5 is normal. And around 1.2-1.3 during heavily mutli-core tasks like running cinebench.
If you've not done it already you could tweak the PPT TDC and EDC values.
What have you set them to? Have you set them to "motherboard" or set them manually? If you want to know what they are set to (if it shows as Auto in bios), and what they are using then check Ryzen Master while running Cinebench for example.
Stock for a 105w tdp cpu is 142a PPT, 95a TDC and 140a EDC.
Try and lower them slightly.
For me when I set PBO limits to motherboard it cranked PPT to 1000, and EDC and TDC to 250 lol. Lowering them netted the same performance but I saved 10c on load temps.
To manage expectations though these processors won't run heavy multi-core tasks at 50 degree temps unless you have exotic cooling.
With a typical aio or air cooler I'd expect anywhere between mid to high 70's to high 80's.
And depending on the game 50-75 degrees. It makes me laugh when I see some people say they get 50 degree temps when gaming, yeah they might but not in all games. If I play a game like mad max my cpu temp is about 50 degrees, but Cyberpunk and I'm at low 70's.