My i7-14700KF temps spike and clocks drop during high-speed races in NFS, causing stutters. How do I fix this?

During intense city races, my CPU cores were hitting 95-98℃, causing the clock to crash from 5.4GHz down to 3.8GHz. It's incredibly jarring when you're turning the camera quickly. The 14700KF is basically a space heater, and the default fan curve is way too slow to react to load spikes. I tried setting the fans to 'Full Speed' in BIOS, but it sounded like a jet engine and only dropped temps by 3℃—totally useless. I switched to a stepped curve that hits 100% at 75℃ and swapped to high-grade phase-change thermal paste. HWInfo shows full-load temps are now 82-88℃, and the clocks are stable. I actually had a mounting issue at first where temps rose by 2℃, but tightening the cooler brackets fixed it. Fans are now steady at 2000-2200 RPM. After a 3-hour stress test, no more throttling, just a constant 2100-2200RPM hum.