In the original post above I forgot to point out that the temps AMD lists for max user CPU temps is the internal or "core" CPU temp. You need a proper applet to read the AMD CPU core temps properly. The applets "Core Temp", "HWiNFO" and "AIDA64" typically read the AMD FX CPU temps properly in the 60C-70C range according to AMD Engineering. Many applets do not read AMD CPU core temp but instead read CPU socket temp and may list this temp as "CPU Temp" when it is really the hotter CPU socket temp.
The primary purpose of AMD adding the CPU max user temps is so that people can determine if/when their FX CPU may be running excessively hot as this can cause BSOD, rebooting, and other system errors. With proper CPU cooling you should not be at the max user temp unless your FX CPU is under heavy load such as gaming for some period of time, depending on the ambient room temp.
ALL AMD boxed CPUs come with a HSF that will properly cool the specific CPU the HSF is included with. In the past some of these fans were quite annoying because they must run at high speed due to their small size, to flow sufficient air to cool the CPU properly. AMD has recently introduced a new premium HSF for folks who desire a more quiet solution in a boxed AMD CPU without the need to purchase an aftermarket HSF. See the link below for a review of AMD's new Wraith cooling fan.