Is you case big enough and have sufficient fnags to get the heat of of the case. On my current build, I originally had bought a case that was too small and things were getting hot.
I changed the case and it made a huge difference. I have six fans. Three in front with the radiator AIO cooler for the CPU. Those three are intake fans. I have two fan on top and one in the back whihc are exhausts.
I have a 3080Ti and my monitor is inly 1140p 60hz, so on average I only run at about 50% on the GPU and CPU and my GPU is usually about 72C.
Make sure your are are clean and that you are getting good air circulation through the case. And as other have mentioned, make sure your fan curve cools things down before they get too hot.
With the water cooler I have, it goes by the temperature of the water. By the time the water hits 40C, the fans are cranking pretty good. If you have a AIO, make sure that you fan speed are based off the water and tot the CPU. If you go by the CPU temps, the water will already be too hot and hard to cool down.
And like I said, make sure you same enough air flowing through your case. A hot case will heat everything up.