It's not like it's a secret or in any way controversial that ryzen is very hard to cool.
The same amount of cooling that is required to get the PPT of ryzen at thermal throttle temps is enough to give intel 50% more power draw at 8 degrees lower temp.
https://www.anandtech.com/show/17641/lighter-touch-cpu-power-scaling-13900k-7950x/3
Putting aside that you clearly have some deep vested psychological interest in sprouting Sophistry.
High temps is the big unknown, of course the only way we will ever know is to simple wait and see what pans out. The experts dont know, they cant even tie their own shoe laces, i have seen lithium battery scientests involved with decades of studying batteries and they are clueless on all the tough realworld practical questions, such questions only the users have a chance of knowing.
Its up to the individual to do what they believe is best based on their current knowledge and future needs and take the necessary steps to protect oneself and the continuity of their rig. Never buy new hardware until its been out in the wild for a good half a year or else you risk being a victim of good ol fashion human incompetence.
I tend to measure success by how long the system lasts, so thats why I use powerful workstation laptops for basic work as they are gurenteed to be more than enough even when the thermal paste goes bad. I cant afford to get a new system in 5years as windows is officialy dead due to its excessive toxic rubbish inside it. Im stuck riding out win10.
For gamers who get ~5years out of a system id say worrying about heat isn't an issue, but if you want to get 10years plus of solid use then absolutely, don't ever listen to these companies, AMD said something like 'Laptops have been sitting at 90C+ for years'... a pretty fallacious load of crap. So I take the necessary steps to protect myself from corporate goons and only listen to the science which last I check was about as scant as tap water vs distilled water. So im making my own waves as i go, learning as i go, hoarding knowledge etc. I don't game, and that makes life alot easier and if I did id just go and get a Playstation for a fraction of the cost of a gpu, 4 grand for a gpu? um no...haha..of course, no... those criminals want me to pay that for gaming can put a real 8year warranty on it.