Expecting a CPU to be stable at 100C is just asking for problems.

I had an 8th-gen i7 sitting at the thermal limit (~100C) in a laptop for half a decade 24/7 with no problem. As sibling comments have noted, modern CPUs are designed to run "flat-out against the governor".

Voltage-dependent electromigration is the biggest problem and what lead to the failures in Intel CPUs not long ago, perhaps ironically caused by cooling that was "too good" --- the CPU finds that there's still plenty of thermal headroom, so it boosts frequency and accompanying voltage to reach the limit, and went too far with the voltage. If it had hit the thermal limit it would've backed off on the voltage and frequency.