GPU Hotspot and fanspeed question

Hello,

Recently while gaming under load in heavy games, i noticed that my gpu hotspot is hovering around 97-99c, and hitting up to 103c at some points for a second. However my normal GPU temp is around 75c. Is this normal/OK? I have a 6700xt and a mATX case, so airflow isnt ideal. I dont think there has been any throttling or anything. Would that even happen with Hotspot temp? This is all with the default Adrenaline fan curve.

I tried a custom fan curve someone recommended, and the fans are a bit annoying while playing single player games. They hit close to 3000rpms, which i am also not sure will damage the GPU/fans. However the temps are much better, with my GPU average hitting 65, and the hotspot around 85.

What is my solution here (if there even is a problem)? Are the hotspots with the default curve OK, or do i suck it up and use the fan curve?