I am no fanboy of Apple, but the lightning connector was a step up from MicroUSB, but it is a step down from USB-C. USB-C should have been around a long time ago, I don't know why we needed fixed orientation connectors on USB for so long. Now lightning is the one behind, the exposed connectors...
That score is not bad at all dude.
My max on PBO with a lot of LLC wasn't much higher, and my chip hit high 80s in temp. (maybe 4-500 higher) so it looks like your chip is working just fine with PBO enabled.
Pretty sure that is with PBO. I'm 99.9 % sure it will use the CPUs stock TDP setting of 105w(unless you manually change it) which is very limiting for 16 cores. PBO extends those limits to a much higher # which allows the CPU to stretch its legs more.
Still not a low temp, regardless of what load it had on it. 97 hotspot is high.
On top of that 74 -> 97 is a 23 degree difference, which is big for a hotspot difference from core temp. That would point to medicore contact for the heatsink itself.
Well, technically your card is not overheating, you just don't like the noise it makes and were probably limiting it's fanspeed before.
Now no thermal pad contact on the VRM will not cause your card to overheat, but it could cause premature failure of the VRMs