All poppies are so configured that the coolers are included on full when the temperature is closer to 90 deg. Ie the priority is on the comfort of the user, so as not to interfere with the fan noise.
At temperatures more than 100 degrees, the CPU will start to lower frequency, to slow down so as not to overheat, if the temperature rises above 110, the protection is activated, disconnect the power. So You have all staff working likely.
But constant work at such high temperatures is not Gud, reduced resource chips and other Board components. Overheating is the cause of many breakdowns. It is therefore desirable to monitor the cooling system cleaned from dust and change the thermal paste periodically.
To reduce the average operating temperature can be forced to increase the minimum rpm of the cooler, many programs are able to do. It is possible to choose the optimal ratio, so that the cooler was not too audible and the temperature average during operation was acceptable, for example up to 70 - 80 degrees
I've seen glitches when the noise level was not regular, very slowly raised the revs even at a temperature of 100 deg. Often helped reset the NVRAM and SMC.