Most states of “100% utilization” as you’d see in `top` are not 100% thermal output or even close. Cores waiting for memory accesses count as utilized in the former sense but will not produce as much heat as one that is actually using the ALU etc. That’s why special make-work like Prime95 is used for stress testing overclocking/thermals: it will saturate the cores with enough unblocked arithmetic work to generate more heat than having 1000 browser tabs open does.