It's not on warm side at all. In fact, those are spot on temps for this CPU.
Discussing temps is not very precise since it's influenced by way too many factors. Some people have room ambient of 18C (UK-all year), and some 28C (South without AC units). This makes massive difference.
Closed cases (Like Fractal Define series) vs Mesh cases (like Meshify) can make another 10 C difference.
That's two factors that already swing temps in range of 20 (!) C alone.
Further, people assume it's based on amount of cores, which it is not. It's based on surface area & TDP. That is why massive 64-core Threadripper will shoot only up to 65-70C because the heatspreader divides 280 Watts over 8 chiplets, compared to 24-core 3960X which divides the same 280W only between half as many chiplets, shooting easily above 80C like nothing.
Highly parallelized and demanding instructions (like AVX-512 for example) will increase the CPU load despite the Task manager showing 100perc. utilization between rendering and denoising.
So denoising is far more demanding than rendering itself and will increase temps easily up to 10C.
That's why we have so many threads where people's PC are stable 98perc. of time but shut-down on occasion :- ). There has to be safe margin.
Average AIO coolers have jack-shit improvement over NH-D15 or NH-U12a. When they do due to more powerful fans, they are also much louder. You can also put 2000 RPM high-pressure F12s Noctua fans instead of 1200/1500 RPM A15s and you will get same performance increase, if you are ok with 40 dB.
TL:DR: Your 3900X are fine.