It's not only Windows issue, on macOS you can load your CPU by 100% (video rendering etc.) and get very high tempetarures too.
For i9-10900K I highly recommend 280mm or 360mm liquid cooling system. For Rio the best solution is really big 360mm liquid cooling system. Corsair Hydro Series H60 is not enough for 8-10 cores CPUs.
Before I upgraded from i7-4770 to i7-10700K I have NZXT Kraken M22, it's 120mm liquid cooling system, and it was really good, I have temperatures not higher than 70°C and fan was very silent.
After upgrade to i7-10700K I got temperatures higher than 80°C (it was June in Moscow and about 28°C in my room) on heavy load and 100% fan speed - it fas very noisy, in office tasks (browser, a little bit of photo-editing and RAW processing) fan can jump from ~60-70% speed to 100% every 30-40 seconds.
So, I bought NZXT Kraken X73 and it was my best buy. Three 120mm fans on 360mm radiator is very, very good. I connected all 3 fans to my motherboard (Vision D/G has CPU_OPT connector and it can handle up to 3A current - it's enough for pump and 3 fans) and now I can use SmartFan in BIOS to configure fan speed/temperature curve.
Now I have ~35°C idle temperature, and 65-70°C on heavy load (for example Cinebench R20 test) when temperature in my room is 25°C.
VERY IMPORTANT! You need to set you CPU VCore voltage and Load Line Calibration manually in BIOS! In "auto" mode Gigabyte Z490 motherboards set voltage too high and CPU can be "overvoltaged" and very hot!
Read this:
https://www.gamersnexus.net/guides/...erboards-with-default-settings-for-your-build
My CPU works fine on VCore 1.2V and LLC "Low" (and crashed in Cinebench R20 if LLC lower than "low", for example, if LLC is "normal"), it overclocked to +100MHz for all boost frequencies.