I have a very similar system and similar problems:
One option (just kidding) is to run the GPU into the ground so you have a good excuse to tell your significant other (or at least your bank account) that you just have to get an RTX 30 series card - they’re supposed to run 20 to 30 deg lower and I think that’s supposed to be in Centigrade! (a review quoted it as that but that sounds incredible!).