Honestly, I can't remember the last time it didn't get uncomfortably hot. Most of the time I really don't care because I'm using it on a table but whenever I do decide to sit outside or on the couch with the laptop on my, well, lap it gets uncomfortable every single time.
I haven't really been pushing it too hard I believe. On a normal work day, the applications I use all the time and have open simultaneously more often than not are Office 365 (Outlook, Word, and Excel), Mail for all non-Exchange mail accounts, LibreOffice, Safari with various web apps, Teams and Zoom for conference calls, 3CX softphone for regular phone calls, Microsoft Remote Desktop, a terminal with SSH, and sometimes a music streaming service such as Amazon Prime Music or Spotify in the background. There are various cloud services synchronizing their respective folders in the background (1x iCloud, 1x Dropbox, 2x OneDrive, various SMB and SSH shares via GoodSync) and some background tools and helpers such as Hazel, Haste, Deepl, or Magnet. That's really it. I don't believe that should be too much to ask for, and the MacBook never really slows down or struggles with the workloud, it simply gets uncomfortably hot at the bottom and noticeably warm to the touch at the top.
Activity Monitor usually lists WindowServer at the top so I'm not really sure what's going on.