Stock cooler .... ? You can't install the stock cooler TIM wrong as it's preinstalled....so if it's the cooler, it's probably not secured properly.
BIOS temps should not be used to determine the actual idle temps as the CPU doesn't throttle down when in BIOS. Download / install HWiNFO64 (Assuming you have 64 bit OS), boot int windows, launch the utility (sensors only) and wait for the CPU to downclock to 800 Mhz. Then look at your Core temps.
To check under load, download RoG Real Bench and run the stress test (not benchmark)