Stop. "I used to have a 6600k..." says everything. Throw it out, all thoughts, assumptions, ideas, crap 'you heard', preconceived notions etc because it doesn't apply.
You have a Ryzen, not an intel. They don't work the same way, respond the same way or really have anything in common other than names such as cores and cpu and thraads.
At idle, an intel will chop voltages and speeds to all cores, but all cores remain active. So the entire 5-6% load gets split over 6 cores or so. Meaning any individual core sees extremely little load, and has little consequential temps. Any peaks will be due to the starting of services on any given core, which still isn't mu h of anything but a small, momentary load.
Ryzen is entirely different. With Ryzen at idle All cores except 1 are disabled, inactive. So the entire 5-6% load will be on a single preferred core. This being a considerable amount of load higher than any single Intel core, so consequently will run at higher baseline temps. The spikes will be from one or several services starting simultaneously, on that single core. The resultant spike is considerably higher than the 3 or so services starting on Intel, only the highest of which is generally reported.
Intel @ 10-15°C above ambient is normal, with 10-15°C spikes. Ryzen is closer to 20-25°C above ambient normally, with 20-25°C spikes. On average, at stock settings and stock cooler.
But whatever you heard about Ryzens running hot because of bios settings not properly set up, is garbage. The settings are entirely correct for a guaranteed stable cpu for any plain jane pc. They just aren't correct for somebody expecting Performance results as from PBO or OC or temperature worry worts.
Ryzen Master, Prime95 small fft (AVX disabled), Asus Real Bench are all you need to bring any PBO, OC, temps etc into line. If you have an MSI motherboard, get rid of Dragon Center, it artificially boosts the cpu without your permission or consent and will drive the cpu harder for absolutely no reason or any real gains, driving temps far higher than they need to be.