If you have an AMD 7800X, 7900X, or 7950X (not X3D) CPU, or the Intel 12th, 13th, or 14th-gen CPU, they are now designed to purposefully ramp up the clock speeds until the CPU throttles at 100C. This is standard in current design of those CPUs, especially with Intel.
That's why cooling is so important for these newer CPUs. If you have a mega-huge and efficient cooler, then it will maintain the temps better and eke out a couple/few hundred MHz more performance. Then again, if your cooling solution is not efficient, then it will severealy throttle performance. Moreso than even with previous CPUs that weren't designed to boil water at "expected" temperatures.
But these CPUs themselves are "designed" to perform at peak load based on that 100C marker. This is counterintuitive to all CPUs of the past, where performance was set to a specific speed, and temps should rarely exceed 90C. The hotter the chip runs, the less the life of the CPU. With that said, they can still last several years even if they are running "hot". Part of the life will be based on the silicon lottery as well (some will naturally perform better than others, but all should perform within the specs posted by the company).
This attempt between AMD and Intel to "top the list" in performance by overpowering and overheating CPUs has been debated frequently over the last year or so. You can undervolt the CPU (or use "Eco Mode", but it will hamper performance a lot) verrry slightly, and have 85%-95% performance with temps lowered by 12-18C. Also, much much less power consumption. A 13900k at peak uses about 290+ watts @ 100C, but slightly undervolted can reduce that peak load to 220watts @83C with 93% of the performance.
Anyhoo, with that said, I agree
@Lindholdt saying that it might be good to re-apply the thermal paste.
Since you have a pre-built, there may be something simple that is hindering performance. I would not say most pre-builts are "reliable" right out of the box, thus a little love and elbow grease could push that machine to new levels of pWn.
I think if I ever got a pre-built, I'd ensure the airflow is good in the case (would never buy a case that had a covered front panel. Ever.), that there is proper negative pressure airflow, and ensure the fans are blowing in the right direction. While doing that, I'd also look to make sure all devices are fully connected, and the GPU is fully locked into place. Then, I would probably apply my own thermal paste to the CPU just to make sure it was done right. Once you take that heatsink off, you'll have to reapply the paste anyway. Simply remove the old paste with a cotton swab and some rubbing alcohol (from both the CPU and the heatsink plate).
I usually repaste my laptops when I buy them. That's a real pain to do sometimes, but it gives me peace of mind.
Finally, checking BIOS settings is also a good idea. I think your video link earlier is referencing the lack of enabling XMP for the RAM, at the very least. Yes, this happens often with prebuilds. They don't even fix simple settings in the BIOS (and they usually have a very old version of the BIOS). Additionally, they will use one RAM stick instead of two, thus halving the performance of the RAM. Or, they put them into the wrong DIMM bays, so XMP won't enable. Many little things like that can happen.
