That's going to make it idle hot, but it's nothing to worry about. Even under liquid cooling and a much lower voltage (1.2v), idle temps around 35-40*C are normal simply because Ryzen processors can clock very low and change clock speeds very quickly, and there is always something that is going to spike a core for a fraction of a second which drives up temps.
I like my cpu's cool as I count on them lasting a long time. They typically migrate to other parts of the house as I get a new gaming system, translating to some being well over 10 years. That being said keeping the cool translates into keeping them running trouble free.
I find that the AMD coolers are just not good enough. I can tell you for about 35 bucks you can get a very capable cooler that will much better cool that chip. You don't need to invest in liquid cooling at all. I use a Cooler Master 212 evo my idle temps are in the mid 30's and under 100% load I don't go over 73c.
So an aftermarket cooler will likely improve your temps by 10 to 20 degrees.