If you are approaching maximum temperatures, then something is wrong. Cooling is important to keep you away from the maximum allowable temperatures where thermal destruction starts impacting the lifespan of the component. Short-term spikes into the higher temperatures is one thing, but long duration operations at maximum temperature is going to affect the longevity of the device. You get issues such as metal migration and things of this nature when operating at the thermal limits.
This post - https://community.amd.com/t5/pc-graphics/radeon-rx-7600-safe-temperature/m-p/655272 mentions the 110 C temperature limit which might be what you are referring to. I highly recommend staying at least 25% below the thermal limits of an active device (integrated circuit) if you want it to last a number of years. If you don't care about the lifetime of a component, then sure, push it to the max ratings and move on to the next build. I keep my LAN computers operational for many years.
As Albert Einstein said, "I could have done so much more with a Big Al's Computer!".
