Ghostwire: Tokyo is stuttering during fights on my B850M, is the cooling too slow?

Fighting through the streets of Tokyo is intense, but every time I flicked the camera, I'd get these unsettling micro-stutters that completely broke the immersion. The fan response on the Maxsun MS-Terminator B850M WIFI had about a 2-second delay between 70℃ and 80℃, which let the CPU temp overshoot to 92℃ and trigger a clock drop. I tried lowering the settings to Medium, but while the FPS went up, the temp spikes stayed—it was clear that the settings weren't the problem, the fan curve was. I went into the BIOS and slashed the fan response time from 3 seconds down to 0.1 seconds and capped the CPU power at 125W. HWInfo showed the peak temps drop from 92℃ to a range of 80-84℃, and the lagging got way better. At first, the fans were ramping up and down constantly, which was annoying, but adding a 5℃ hysteresis window smoothed it out. Now the CPU stays between 75-81℃ and the fans are steady at 1400-1600 RPM. Performance logs show the clocks are finally stable at 68-74℃.