You probably don't have a problem. For 10 years or more, Apple has been shipping thermal regulation systems which let silicon get close to its rated maximum operating temperature before ramping the fans up. (As you found out, it's a misconception that they're ever fully turned off - in virtually all Macs with fans, they're on all the time and only the speed changes.)
There's a bunch of engineering reasons to do this. One is that the greater the temperature difference between the heat source and heat sink (the ultimate heat sink here is room air), the more heat wants to flow from source to sink. That means Apple gets to turn the fans slower, making less noise and consuming less power turning the fans.
People install utilities like these and freak out when they see big numbers like 100C, but lots of chips are rated for 105C or even 125C. It's not a big deal as long as it's within manufacturer specs. Apple doesn't tell us what those specs are, but 105 is a common target for chip designers, so it's reasonable to guess that's what they use.
Doesn't surprise me. That dude's a clown trying to clickbait his way into having a big youtube channel.