Hi ! I have a 3700x too, the MOBO i use is x570 Aorus elite from Gigabyte. I use the Noctua NH-U12S with a push/pull config.
My settings are the following :
- Everything on default in bios (exception dose the XMP on the memory and PBO enabled)
- The power profile in windows set to Power Saver ( the windows one not the Ryzen one )
idle voltage 0.969-1.106 and temps as low as 31.9C in a room with 25C ambient.
Performance wise there is no loss since the CPU can reach in full load 1.49V (on single core ), 1.33V ( multi core ) and a temp of 74-76C. I measured with HWinfo64 and stress tested in blender and CB15, CB20
I suggest you get a better cooler in the future. 85C spikes while gaming is a bit high.
I hope this can be of help.