I've dropped the clock and voltage on mine, sits at 90-100W at 3.7 GHz/1V.
Why did I not do this before?! I have the same chip as you (you may remember me from the TR3 thread), and I just opened Ryzen Master. I've gone from 4.0 all core, around 1.35v to 1.45v (auto settings, not manual), giving 85oC on air and using 280W (CPU only). Now I have 3.7 all core, 1v, and maxing out around 95W and 70oC on air with fans on silent mode. This I can live with. Leccy cost is down from about £26 extra to £9 extra a month, for negligible performance drop. Win!