Bios temp is always higher than app read temps. Bios is a constant load situation where everything in your pc that's hooked in anyway to the cpu is open and alive. Once windows starts, most of that stuff is downgraded to standby.
You have an FX cpu. Throw out any preconceived ideas of temps according to what ppl are getting from Intel based pc's. They don't apply. Intel has temp sensors physically in the cores and temps are read @2x per second. FX does not. It has sensors under the cpu and around the socket on the motherboard, so temps are different physically by location and most software uses algorithms to arrive at conclusions. Quite unreliable.
For FX cpus the only recommended solution is AMD Overdrive. It uses a Thermal Margin for reading temps. Basically it's a program that tells you how much room your temps have left. It reads the actual cpu design parameters and says you have upto a certain limit. Then it reads, combines all of the available data from the mobo and says you have this much left. So a thermal margin of 40°C means that's what's left before you are cooking the cpu dangerously. A TM of 10°C is dangerously close to overheating. The actual physical number is not important, there's no difference between 40 and 30, you are still quite safe, it's the range that's important. 30-40 is great, 10-20 is not so good and 0-10 is seriously hot.
Unlike any other aftermarket program, AMD Overdrive was written specifically by AMD for FX cpus.
Actual physical core temp max of FX cpus is 62-63°C. Yet ppl constantly run temps of over 70°C in stress tests. Might tell you something doesn't add up right with temp readings.