Why does my Samsung 9100 PRO PCIe 5.0 4TB hit a thermal wall and slow down when loading large maps in Far Cry 6?

While exploring the open areas of Yara, the loading bar would suddenly just freeze, which was incredibly frustrating given the specs. I checked HWiNFO and saw the Samsung 9100 PRO PCIe 5.0 4TB spiking to 82-88℃ almost instantly, triggering a brutal thermal throttle that tanked the bandwidth from 12GB/s down to a pathetic 3GB/s. I wasted some time trying to disable Windows indexing, but that did absolutely nothing and just spiked my CPU usage. I finally realized this was a physical cooling failure. I dove into the BIOS and redefined the M.2 fan trigger point, moving it from 60℃ down to 45℃, and swapped my thermal pads for some with higher conductivity. After that, HWMonitor showed the temps staying in the 62-68℃ range, and the read/write curves finally flattened out. To be honest, when I first set the fans to 100%, the noise was absolutely deafening, so I had to set up a stepped curve to balance the noise and the heat. Idle temps now sit at 38-42℃. I exported the fan profile via the motherboard utility and saved the config.