5600x running at 96C

No, use the one in bios. You can use ryzen master as well but bios should be better overall. Also some motherboards don't have undervolt setting in the bios so for them Ryzen master is the only option but not for you as your motherboard does have curve optimizer.
 
Post some pictures of your computer.
It looks like your airflow is restricted causing the high temps. 60 degrees plus at idle is very high.

How have you installed your cabinet fans? How many are pulling air in, and how many are pushing air out?

Who installed your cooler? How much, and which thermal paste did you use?

To see what the best temps you can achieve with your current setup, run the computer with the side panels off, and keep it on top of your desk where there's enough airflow.