FFXV is lagging in cities on my MSI B450M MORTAR MAX, is the motherboard failing?

This old board is barely hanging on with modern optimized titles. In Insomnia, my framerate was jumping between 40 and 70 FPS, which was just pathetic. The VRM on the MSI B450M MORTAR MAX was hitting 95℃ under load, forcing the CPU to throttle and creating a 15-30ms frame time jitter. I tried lowering the graphics to Medium, but the game just looked blurry and the lag stayed—a complete waste of effort. I ended up rigging a small fan to blow directly onto the VRM heatsinks and manually locked the CPU power limit to 105W in the BIOS. Looking at RTSS, the frame time graph went from looking like an EKG to a flat line between 18-22ms. It was a huge jump in smoothness. Interestingly, my 1% lows actually dropped by 2 frames after locking the power, but bumping my RAM to 3200MHz sorted that out. VRM temps now stay between 75-81℃ and the CPU is at 68-74℃. I exported the voltage logs to verify, and the fans are steady at 1400-1600 RPM.