Wow 95C is really hot for a 65W CPU.
I would agree with the above reply, check thermal paste is applied properly... reseat the cooler. You shouldn't even be touching anywhere close to 90C with stock clocks. Check your intake/exhaust fan configuration is set up correctly.
Check Task Manager to see if anything is running rogue processes on your CPU. Ryzens have a tendency to spike in temps when programs do calculations. So keep an eye on usage statistics. There are 3rd party apps like HWInfo to help you see that.
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B550 Unify - 5800X3D - 7900XTX - 32GB RAM
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