accurate temperture reader

Solution
HWInfo has always been more reliable to me. You can also use Core Temp and Real Temp, but they you still might get different temp readings.
Depends on the system. They don't all report temperatures the same way, and software sometimes has to be updated to work with new equipment after it launches.

You can try comparing BIOS temps to what you're seeing in Windows.

Some equipment also runs with a temperature offset, which may not be taken into account by all software.
 


I quit using HWMonitor after it told me my CPU was running at 9.0GHz.
 
I've heard this before and it's not true if you think the load is high or intentional. Of course BIOS places a load on a CPU, as all software running on a CPU, including Windows does, but BIOS doesn't place an intentional load on a CPU, as this would be astronomically foolish as BIOS is supposed to be the one environment that is as lean and stable as possible. Putting an intentional load on a CPU can lead to instability, which would obviously decrease the needed stability of the BIOS environment. The only load BIOS puts on a CPU is what is necessary. The reason CPUs tend to run hotter in BIOS is due to the lack of CPU power saving measures being used, it simply runs the CPU at it's fixed, base frequency.

BIOS can be useful when identifying sensors especially when software doesn't label them or does so incorrectly.

Sensors, such as PCI or motherboard sensors, and even VRM sensors can often show fairly stable temperature ranges, and can be verified by looking at BIOS. CPU temperature not so much, but the OP never stated he wanted only accurate temperatures for his CPU.

If all you want is the most accurate CPU temperature, get that from either AMD or Intel. You can also use these utilities to check how close your temperatures are in your software of choice, but as smashjohn points out, different exact polling times for sensors will often lead to slightly different values, which has to be taken into account before declaring a piece of software inaccurate.

Intel Power Gadget

AMD Ryzen Master
 
Okay so let me rephrase, BIOS temp will be different than in Windows because BIOS runs at constant base frequency and Windows will use power saving features such as dynamic frequency. Point being that the two will have separate temperatures and are not a good comparison.