welcome this is my first desktop ever owned.
DIY too. and done wrong, if quiet is the goal.
your centigrade temps are
normal.
no goals told, gaming or what:??
if gamed fast, that makes huge heat and must be expelled. or things fail. hard. Heat is the #1 cause of electronics failures. (fans cured)
DIY steps
1:I buy a top brand
case with huge slow spin fans 120mm and even larger the larger they are I can run them slower for same air flow.!!
I can also add my own fan controllers. to any PC, DIY has no limits.
2: the PSU is sold in vast types, and some like mine has USB port and and app that lets me
set any thermal fan speed I want.
so we pick the PSU now and most PSU 99% run full speed all the time.(cheap) better PSU have 3 speeds, based on thermal sensors inside the PSU. learn to shop wisely PSU, is the answer.
Cheap PSU are full speed all the time, ever read up on Corsair?
3:
MOBO some mobo like my beloved ASUS, Z270prime allows full fan controls of CPU and case fans. or set to auto mode.
some mobo (vast) do not allow that because they do not want to pay out warranty claims after you burn the VRM bank to *****.
Like OEMs modo do. all. most have zero controls allowed by you.
Asus knows we use huge fans, and we want to set the DIY fan rpm thermal rules based on the fans I WANT to use, amazing no?
ASUS is king, never MSI , Gigabtyes is good too..
your 4 pin fan jack is PWM controlled, modulated by the BIOS
this is one of BIOS many jobs here.
the 3 pin fan sys, is full speed all the time so use only large quiet fans here.
page 17 in your manual states
"if the mainboard has a System Hardware Monitor chipset on-
board, you must use a specially designed fan with speed sensor to take advantage of the CPufan control."
that means an option you pick day 1 from MSI.
I do not like MSI at all there manual is no good and faq missing
There are after market 3rd part fan control APP's that can work
for CPU only. google finds them.
frankly the choices are endless.
DIY desktops, RULE.
even water cooled and no fans at all is possible (PSU excepted)
here is extreme cooling up to 200mm fans,
https://www.newegg.com/p/2AM-000Z-00080?Description=PC%20case%20with%20200mm%20fans&cm_re=PC_case%20with%20200mm%20fans-_-2AM-000Z-00080-_-Product&quicklink=true
200mm
https://www.newegg.com/p/2AM-000Z-00089?Description=PC%20case%20with%20200mm%20fans&cm_re=PC_case%20with%20200mm%20fans-_-2AM-000Z-00089-_-Product
the bigger the fan the slower it can turn and not make any noise
and is decision #1, for sure,
also the PC may run great with just 1 large fan connected.
gamed, we have a free bench mark program to make the PC run hot to test the fan quality.