There's a wide range of what's acceptable that is entirely dependent on the end user. Are you planning to overclock? How's your tolerance for noise? What reported temperatures are you willing to live with?
Personally, my criteria is stability and silence and I don't get into overclocking on my main machine. As such, I am perfectly content seeing reported chip temperatures in the upper 50s C range. Yeah, you could probably get away with what you propose, but only if you're willing to live with high temperatures.
If you plan to overclock, your proposal down right stinks.
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