I'd agree that 48c is an unrealistic or unnecessary target for full load. However I'd disagree that it's 'safe to run at 95c for years' which contradicts intel's own specifications.
Tcase for the 4790 is 72.72c and since core temps run 5c hotter than tcase that results in a max 'safe' temp for everyday use at 77c - not 95c+.
http://ark.intel.com/products/80806/Intel-Core-i7-4790-Processor-8M-Cache-up-to-4_00-GHz
As intel states - "Case Temperature is the maximum temperature allowed at the processor Integrated Heat Spreader (IHS)." The definition for their tcase spec listed at ark.
Please have a read here.
http://www.tomshardware.com/forum/id-1800828/intel-temperature-guide.html
Yes it won't throttle until 100c but that in no way means 95 is 'safe' in any way. Running at those sort of temps can result in damage according to intel and I'm sure there's a reason their engineers have set those thresholds.