Experts' Opinions: How to Cool Down This Intel i5 14600KF...?

I bought an Intel i5 14600KF CPU, which has a TDP between 125W and 181W, and to cool it, I chose a DeepCool AK400 (which theoretically supports up to 220W of PBP) along with Rise Mode 10W/mk thermal paste (applied using the thin layer technique across the entire surface). The motherboard is a B760M Gaming Wifi rev 1.4, updated to the latest BIOS (F9), which supposedly includes the microcode fix.

Even so, using MSI Afterburner and HW Monitor, I observed that:

• 50°C right when turning on the PC, with very fast fluctuations up to 70°C with common use;
• Rapid fluctuations between 60-85°C while gaming (tested in Overwatch 2 on high, ultra, and epic settings), reaching up to 90°C when streaming via Discord;
• Rare peaks of 100°C on some cores, which worried me.
• Power usage around 1.3-1.4V approximately.

To try and fix this, I limited the TDP to 125W in the BIOS and set the CPU to the most energy-efficient mode. This significantly stabilized temperatures, keeping them between 40-70°C max while gaming, with fewer rapid fluctuations, but the voltage dropped to 1.1V, causing some sluggishness at max graphics settings. It no longer hit 100°C.

I'm unsure if this is normal for this CPU even after the microcode update or if it’s a warranty case, since I had to tweak the BIOS to get acceptable temperatures, even though the air cooler and thermal paste aren’t that bad. I'm wondering if I should switch to 14W/mk thermal paste, get a contact frame, or even buy a 280W PBP water cooler.

I also found out that Ryzen 9 CPUs heat up similarly… Does anyone have any insights? I'd really appreciate the help!