Ryzen 7 5800X Temps are really high, please help

Hi! I'm looking for some advice regarding my CPU temperatures.

My Ryzen 7 5800X is running quite hot while gaming. In Forza Horizon 6, it easily reaches 85°C+ during loading screens, and during gameplay I've seen it hit as high as 91°C in MSI Afterburner.

My specs:

• Ryzen 7 5800X
• ASUS TUF Gaming RTX 4070
• ID-COOLING SE-226-XT CPU Cooler
• Seasonic G12 GM-750 80+ Gold PSU
• ASUS TUF Gaming B550M-E

I know the 5800X is known for running hotter than many other CPUs, but 90°C+ during gaming seems a bit excessive to me.

I've previously experimented with PBO and Curve Optimizer. After changing some PBO settings, the system became unstable and eventually wouldn't boot, so I reset everything back to optimized defaults in the BIOS.

I then tried a per-core Curve Optimizer setup:

• Core 0-3: -5
• Core 4: -15 (best core according to Ryzen Master)
• Core 5: -5
• Core 6: -11 (second-best core)
• Core 7: -5

The system booted fine, but as soon as I started a race in Forza Horizon 6, the entire PC instantly shut down. It wasn't a game crash or a BSOD, the pc just shut down.

After that, I set Curve Optimizer back to auto as well.

Currently, the only BIOS settings I've changed are:

• DOCP/XMP enabled for the RAM
• Secure Boot enabled
• Resizable BAR enabled

Everything else, including PBO and Curve Optimizer, is on Auto/default settings.

Is there a generally recommended Curve Optimizer or PBO setup for the 5800X that can reduce temperatures while maintaining or even improving gaming performance?

I'm also curious why my previous Curve Optimizer settings were so unstable. From what I've seen, values like -5, -10, or even lower are considered fairly conservative on many 5800X chips, yet my system crashed almost immediately after starting a race.

Any advice would be appreciated. Thanks!