The best way to overclock is manually setting the multiplier and vcore in the bios. Like BrandonYoung mentioned, vcore (voltage to the cpu) translates to heat. The higher the vcore the hotter the cpu will become which is why overclocking takes an aftermarket cooler. Also as bignastyid pointed out, the easy 'overclocking' done by a one click option in the bios isn't the best choice. Auto overclocking features can often be too aggressive and default to a higher vcore than necessary in an attempt to provide a stable oc rather than an efficient one.
Just as a hypothetical, the auto overclock button may decide to push your cpu to 4.4 which isn't much of an overclock. It's more or less the default turbo boost for that cpu but setting it on all four cores. To do so the 'easy' option may use a vcore of 1.32v when in all actuality through stress testing and monitoring, you might find you can reach 4.4ghz stable at 1.25v which would allow the cpu to reach the same speeds at cooler temps. Again that's just a random scenario, the ability to achieve a decent oc like 4.6 or 4.7ghz may be possible at a more realistic vcore though stability testing. Using p95 v26.6 small fft's for thermal testing, others like intel burn test or rog realbench (or a combination of test software) to determine if the overclock is stable. If it's not stable one of two things, either the vcore is too low or the multiplier is too high. Using something like realtemp for temperature monitoring to make sure thermals stay in check.
All in all 64-69c isn't too terrible though if you were to set the vcore manually and work with oc yourself you could likely achieve either faster speeds or lower temps at the current 4.4ghz. It does take a bit of trial and error though. Using something like hwinfo64 you should be able to monitor your current vcore in use on the desktop while running actual programs to get an idea of where the auto overclocking or 'boost' through the bios has it set.