i just got the computer about a week ago - so all of my coolers/clocks/voltages are still at their default values, thats why i was surprised to see the temps hit 95C.
Check to see that the heatsink is mounted correctly. Look at the bottom of the motherboard to make sure each leg is pushed all the way through.
I'm using a stock fan right now and with it clocked at 4000MHz (voltage set to auto) I peak at about 75Â°C during gaming. It was in the high 50's at 3300MHz