You'd be surprised, here are a few sources:
EKWB
LTT forum
A reddit thread
As you can see, a 100 degrees Celsius isn't exactly nothing. You'd definitely want bigger radiators, pumps and fans in general to use with a monoblock.
Especially since with every next CPU, the voltages and TDPs increase. As a result, the VRMs will work in overdrive to keep up with the CPU's demands. Some mobo manufacturers even add to their VRMs their own dedicated mini fan lately, if that makes sense.
Example:
1. LTT IS A HACK
2. Unless they state their Education, THEY DON'T KNOW ANYTHING. Referring to them is like referring to a Wikipedia article without footnotes.
3. Refer to #1