Change your power plan to Windows Balanced, as Ryzen Balanced is only necessary prior to 2019.
As for speed, look in Ryzen Master at the individual core speeds, as they should decrease when not under a load. It's normal for Ryzen 3000 series processors to run at their boost clocks whenever under their temperature threshold to maximize performance. Thermal maximum is 90*C, so you might adjust your curves to allow a higher temperature if the noise bothers you.
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