That's because of how the CPU boosts. If you have a better cooler, it'll push itself higher, and you'll still reach 95 °C. Only when you reach the chip's architectural limitations with thermal headroom will you see temps below 90, but you'll probably need liquid nitrogen, or at least a massive custom loop with multiple radiators for that.
If you think about it, Zen 4 is designed to give you everything that your cooling allows without any limitation on performance whatsoever.
OK, guys... I made a little sketch about the way I understand Zen 4's boosting behaviour so that we're all on the same page. I don't want to confuse anyone, so if someone knows better, please correct me.
View attachment 263423