1. No, those temps are fine. They are pretty good in fact.
2. Probably not, but you don't need to worry about it since you will not achieve those temperatures anywhere outside of prime.
3. No, never. The highest temps you will see in gaming is probably anywhere from 55-60. Yes, there are significant benefits to be had from an overclock in some games.
Those temps are fine. I get those temps too. I've read some reports of users with 80C on load for 24/7 usage. You'll probably never get that high on normal usage.
3.6ghz - 3.8ghz is the sweet spot for gaming. Certainly there will be some improvements running at 4ghz or more, but this is the point where you'll have to consider the voltage/heat to performance costs.
One thing you can try is to get a higher performing fan if you are still using the Noctua fan that came with the cooler. The stock Noctua fan was design as a quiet/performance fan. If you get something like Yate Loons, Scythe Ultra kaze, it might get the temps a bit down.
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