Yes. Because you aren't seeing 4.45GHz on anything but single core.
Ryzen isn't Intel and doesn't behave like Intel, but ppl keep assuming they are the same, ingrained thought processes from 10+ years of core-i domination over FX.
Intels don't scale with temps. They give max performance locked in until they reach their thermal cap, then throttle way back. They totally rely on the user to provide sufficient cooling to prevent that.
Ryzen are the opposite. They scale with temps, starting @ 60°C they'll knock 50MHz or so from 1 thread, then hit several threads, at @ 80°C they'll be hitting most if not all the threads down 100MHz or so etc. It's a very gradual decline that's really hard to notice without a full core burn with static load.
As for temps, as said, the stacked cache is going to bump that up some, but not all that much. What's going to affect temps the most is ambient temps, both outside and inside the case as one affects the other. It's physically impossible to cool an object below ambient temps by mechanical means, regardless of the cooler. An aio is mechanical. It uses a fan blowing across a fin that dissipates heat energy. You'd need a chemical process, such as peltier or LN2 or phase change to drop below ambient.
So whatever the outside ambient is, that's the starting point. From there add up the inside case energy, and that'll be the minimum temp you'll see at the cpu.
Cpus generally run @ 10°C average higher than external ambient. Cases with lousy airflow can hit 15-20°C, cases with excellent airflow can hit 1-6°C. Gpu should idle roughly the same as cpu.
On a 90ish watt load, 35°-40° is very normal coolant temp on an aio as it'll be case ambient temps + wattage leech - heat exchange variable.
Unless you can physically feel a difference in the input and output hoses, your aio is working as it should. There's generally @ 2° difference, which you can't feel by touch, so they should feel the same.
With that kind of cpu temp, aio pump should be 90-100% and fans will be north of 70%. If your curves/software has them running any lower than that, there's half the issue.
Personally I'd unplug the rear exhaust fan. With a top aio, it's essentially useless. It's doing 2x things not in your favor. It's adding to the local area vacuum which makes for a lower area pressure, so a good majority of airflow is headed directly for that corner. That puts a good chunk of gpu heat right at that rear aio fan, and a lot less at the front fan. Creates uneven dissipation, the rear is warmer, so less effective, the front is cooler, and more effective, but has less to work with.
Secondly, it's stealing air from the back aio fan, making matters worse as there's more local heat but less air to move it.
What works better is a chimney. The aio will have a viable source of external air from the open fan vent as well as a more even split of gpu exhaust, since all that heat is rising straight up, not being dragged sideways by an uncompromised fan. Air moving in a single direction helps airflow and keeps case ambient temps lower as its a stronger overall movement.
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