After reviewing the responses here, I went 'digging' a bit further.
All the points were valid....so why not?
What I found, was that the MSI X470 Gaming Plus motherboard...at the Auto setting...with even the latest BIOS was ramping the core voltage up as high as 1.425 in some cases.
That's never a good thing for Ryzen CPUs over a long term period.
I had to manually set voltages to 1.382 volts as a hard limit.
That one setting has further dropped temps a few degrees.
Just a heads-up...."check those voltages."
Just because they're set to auto doesn't mean they're regulated within specification.