Prime95 small fft is only to test thermal compliance. Its not supposed to replicate a normal heavy workload on your pc.
Running Prime95 small FFT on stock cooler will ALWAYS result in very high temps.
Ive went through 2 Ryzen cpus (2600, now the 3800x) They both hit over 100c on Prime95 stock cooler with OC. (and even without OC).
I bought a Sycthe Mugen 5 rev. B air cooler. Its beefy asf and 100$ aios only, on average, keep temps about 4c cooler than a air cooler of this size. And it was only 60$.
Now on Prime95 I hit about 91c max with the new cooler. Which is still way to high but like I said, Prime95 is a thermal compliance test when using Small fft on the cpu. Its the absolute worse case scenario. However anything you do day to day on your PC would NEVER push the CPU the way that 1 specific test does.
As long as your CPU during your normal heavy tasks is staying 85c or below your fine. Yes 85c is still a bit high, however it wont do any long term damage to the cpu. Although it will make your fans run harder which will cause more noise and can bring them to failure.. sooner. Oh and also PBO only works up until 70c, so if your always running over 70c, PBO will not be working. Normal core boost will work, but not PBO.
I would suggest a cooler upgrade as soon as you can if you want to be overclocking.