Sound like your AIO CPU Cooler is defective and not cooling the processor.
Check to see if the pump on the AIO is working and your feel liquid circulating in the tubing. Also the Input tube to the processor should be slightly cooler than the Output tubing.
Could be you have a Air clog in the AIO system or a tube is obstructed preventing circulation.
Use a Monitoring program that shows the AIO Pump RPM and Radiator Fan RPM.
Also make sure the Radiator's Fan is spinning and running at 100% when it starts to overheat and the air flow is not obstructed.
If you are reaching 90C at idle it is a definite sign your AIO is not working the way it should and not cooling the processor.
NOTE: I would open a MSI Support Warranty ticket to see if the AIO needs to be replaced or repaired.