It’s set this way for everything, all games and normal computer usage also. These are AMD tools and are designed to be used with their processors. The factory settings yield low performance. It is designed this way so that customers do not get errors from a shipping product. All their CPUs can run at these low settings but the majority of them can be run higher. These tools are designed so you can apply them to your specific CPU.
Regarding temperatures, my temps went down 5 degrees because of the undervolt. So it performs better and runs at lower temps. It’s all good. Under heavy stress testing my CPU was running at 75 with factory settings. Now I get better performance and run at 70 max.