I don't really see it as being a problem. The CPUs are designed to run at this temperature, stay below 95C and you shouldn't get any more degradation over time.
As for voltage. It only does that for a single core boost, it absolutely doesn't sustain that. It doesn't really go above ~1.3ish for a full core load.
95C!!! That's it? As long as your pc and house don't burn down everything should be fine. My current, and very old, CPU doesn't go over 68-69C and now I would have to get used to 95?
I am sure that many people out there are probably very happy with their new Ryzen 3000 and are not having any problems at all. But there is also a group of people that are experiencing some serious drawbacks and are forced to waste time changing settings, trying this and that and having to tinker with things that should have been fine from the beginning. I just do no want to have to deal with these problems, having piece of mind is just as important as performance and price.
I am not especially interested in buying from the blue team, but Intel has a much better record when it comes to "working out of the box" which is exactly what I want, without having to take the risk of finding myself in the, admittedly small, group of people that are scratching their heads wondering if they have bought a CPU or a new heater for the house.