Many early adopters of AMD's latest Ryzen 5000, or Zen 3, processors have become alarmed by their processors hitting temperatures as high as 90-95C in certain circumstances, something I would personally consider too high for comfort.
AMD has now gone on record to state that the issue isn't a real problem at all, and that this is "typical and by design." Of course, this all depends on the situation - I could possibly believe that under full load, but if you're getting close to that at idle, you've got a problem.
According to AMD, 90C is normal under full load for a Ryzen 9 5950X, 5900X, and even a Ryzen 7 5800X, with 95C expected for the Ryzen 5 5600X.
In fairness, back at the launch of Ryzen, these temps were upfront, hidden away on a slide showing these were indeed the max expected temps. I'd still say that these aren't normal, though - even if it's the max theoretical temp before throttling occurs, you still don't want to get that far.
In other words, you probably want to get a decent cooler if you're going for Zen 3.