I would start with a good cleaning if not already done. Then I would reseat the heatsink and fan using a quality thermal paste like artic silver. If that changes nothing check and make sure any fan settings in the bios are set properly. Many mobos now have controls to keep things quiet, maybe the fan is just running to slow. My i5-2500 ran pretty warm on the stock cooler but I was also running boinc. I fixed mine with a corsair liquid cooler which was overkill, I could have spent half the money on a decent air cooler that would have been sufficient.
Ok. Turned off "smart fan control" in the Bios, essentially the fan is running at full speed now (btw, only 1600 rpm? I thought this thing does 2000..). Now it's idling at 35-40 and 45-50 at ~20% load.
I'll open and clean it too. anyone have any tips on how I can verify if the fan is seated correctly?
Are you by any chance overclocking ? If you are not, then there really is no need for an after market cooler unless you have the cash to burn.
Secondly, the temps you are seeing is pretty much what you will be seeing regardless of the cooler you install. Remember, OEM's put a lot of R & D into these stock coolers so you shouldn't take them for granted unless you are overclocking
95 Celsius on full load is too much, and as I said before, you probably applied a bit too less Thermal Paste the last time around.
So just as you have said, clean the case, reseat heat sink and most importantly get a good thermal paste.
I suggested Shin-Etsu X-23-7762 because I have used it and I know that's what the OEM's use. Lots of people go on about applying a "pea" size on the CPU but when you see what the OEM's apply after removing lots of new CPU's from PC's, you'll understand why Temps on a PC with OEM Thermal Paste application are so low.
They indeed do apply a generous amount and that's what I do with Shin-Etsu X-23-7762.
Basically its like Thermal Pad but in a tube. It keeps my temps very low and CPU happy. Any other good thermal paste should do the job.
Do not follow online Thermal Paste application tutorials. Only use those as reference points. Do it yourself and stick to a method that gives you the lowest temps.
finally got around to opening it up and cleaning the case. You guys were right there was very little thermal paste on the cpu. I applied some arctic 5 and its hovering around 30 idle now, though i understand that's gonna drop further after the break in time. thanks for your guidance.