That's very true. Stock cooler is fine if running stock.
BTW, when using PBO don't look at clock speeds to validate performance. Look at benchmarks. Ryzen 3000 are much more like GPU's in that processor clock speed is load and thermally dependent, so it will bounce around quite a bit in use. So looking at BM results help you know if you've got it tweaked.
A good one is Cinebench 20 as it takes a little bit to run so heats up the CPU enough to include thermal performance in the results. It's also somewhat repeatable and it's relevant, meaning not purely synthetic.
It also has a single thread as well as multi-thread score. You can do things that improve multi-thread but kill single-thread, which is the most important performance mode needed for games.