My MSI MPG Z890 EDGE TI is overheating at the VRM during hunts in Monster Hunter Wilds, causing FPS drops. Fix?

This is ridiculous—my motherboard VRMs were flirting with 100℃ while fighting giant monsters, making my CPU clocks jump around like a heart monitor. The default current limits on the MSI MPG Z890 EDGE TI are way too loose, causing heat soak that pushed frame times between 15ms and 40ms. I tried stuffing three extra 12cm fans in the case, but it sounded like a helicopter taking off and only dropped the temp by 2℃, which was just pathetic. I finally went into the BIOS, locked the CPU current limit to 240A, and set the VRM fan response time to 0.1s. HWInfo showed the VRM temps drop from 102℃ to a manageable 82-86℃. I accidentally messed up my RAM frequency while doing this and couldn't boot, but a CMOS clear fixed it. CPU is now stable at 5.2GHz without those cliff-edge drops. Exported the voltage logs, and fans are steady at 1400-1600RPM.