~72C is the TCASE, or the temperature of the surface of the heatspreader.
~98C is the TJmax or the temperature of the junction between the die and the bottom of the IHS.
At stock speeds and stock voltages, you will not reach ~72C tcase until the tjmax is pushing ~98C.
Since you cannot read tcase without milling a trench in the surface of your CPU's IHS and epoxying a thermal probe in it, and since all monitoring software tries to read distance from tjmax from the intel DTS, you want to keep the 98C in mind, and ignore the 72C.