This implies that when a CPU starts to throttle, the BIOS reduces the CPUs speed by a large amount, which would significantly increases render times. It's my understanding that throttling is a more subtle effect, designed stop the CPU from exceeding its rated maximum 90/95C AMD or 100C Intel. Throttling maintains the temperature at 90/95C or 100C.
The result (I believe) is you get the most performance out of a system if you hit throttling. That's why modern CPUs automatically boost up to the limit (when cooling allows) durng heavy computing tasks. The better the cooling, the faster the boosting. If I were to fit a 420mm AIO in place of my NH-D15, I'd expect marginally shorter render times, due to increased cooling at the same throttle temperature.
I liken CPU throttling to the red line on a car/bike rev counter. When you pin the throttle wide open, the engine hits the red line, but does not exceed the maximum specified RPM.
CPU throttling/engine rev imiting is a safety feature designed to make sure you don't exceed the manufacturers' specified design limits. If they were worried you might damage the CPU/engine within the warranty period, they'd reduce the throttle temperature or max rev setting.
For anyone worried about electromigration, this article might help to allay some fears (or not):
https://www.anandtech.com/show/15839/electromigration-amd-ryzen-current-boosting-wont-kill-your-cpu
"As processor manufacturers and semiconductor fabs have iterated through the design of logic gates in CMOS and FinFET processors, there have been active countermeasures put in place to reduce the levels of electromigration (or reduce the effect of the levels of electromigration).
As we shrink process nodes, and voltages decrease, it also becomes less of an issue – the fact that wires also decrease in area has the opposite effect. But as mentioned, the manufacturers now actively take steps to reduce the effect of electromigration inside a processor.
Electromigration has not been an issue for most consumer semiconductor products for a substantial time. The only time I personally have been affected by electromigration issues is when I owned a Sandy Bridge-based 2011 Core i7-2600K, that I used to use for overclocking competitions at 5.1 GHz under some extreme cooling scenarios. It eventually got to a point, after a couple of years, where it needed more voltage to run at stock."
Note: This Anandtech article deals with normal CPU boosting up to the throttle temperature, not deliberately overclocking CPUs to extract the last ounce (28.35g) of performance, e.g. using PBO on an AMD Ryzen. I think I'm correct in saying an overclocked CPU will still throttle
at exactly the same temperature as a non-overclocked CPU.
If you're thinking of keeping your new CPU until 2045, by all means limit the temperature to 75C if it it inspires more confidence, but you'll miss out on shorter render times or potentially higher FPS.
I don't run PBO on my 7950X and 3800X, but I do run them up to 95C. I overclock two i7-4770K and a G3258 Pentium quite hard, plus an Athlon 955 and 965 bought in 2006. I still have working CPUs from before the year 2000. It's the motherboards that often die first (burst caps).
When all said and done, how you run your computer is a personal choice and long may it be so.