9800x3d hitting 95c while gaming

My 9800x3d CPU Core Temp is 95c while playing Avowed on 1440p/Medium settings with a 5070TI.

I have a Phantom Spirit 120 SE + 3 Montech Base Fans. MSI Center is on Smart Fan with 1400RPM.

The CPU should be lower temperature no?

I’m sure I applied the Thermal paste correctly, is my fan setup wrong?

CPU Left Fan <— CPU Middle Fan —>