My Samsung 9100 PRO PCIe 5.0 throttles during fast loads in Returnal. Do I really need an active cooler?

Every time I started a new loop, the loading bar would just hang at 90%, which is incredibly stressful when you're in the middle of a fast-paced Roguelike run. The Samsung 9100 PRO has insane peak speeds, but the core temp shot up to 82℃ - 88℃ under load, triggering a hardware-level throttle that crashed the bandwidth from 10GB/s down to 2GB/s. I tried enabling power-saving mode in the BIOS, but while it dropped the temp by 5℃, it added 3 seconds to the load time—a useless trade-off that left me feeling pretty frustrated. I finally swapped in an active cooling module with a tiny fan and synced the fan curve to my CPU temps. HWInfo showed the peak temps dropped from 85℃ to a manageable 62℃ - 67℃, and the read/write lines flattened out. I actually messed up the installation at first by over-tightening the screw, which slightly warped the PCB and made the drive vanish from BIOS, but loosening it half a turn fixed everything. Now it sits at 55℃ - 62℃, and the response is buttery smooth.