@jdb8167 I have also purchased a very cheap cooler (which is actually very quiet) for testing purposes and largely confirm what you report. It shouldn't be surprising that fanless computers which lose all the heat from the casing are much more sensitive to ambient temperature and the conditions around the casing, than internal cooled machine which pump the heat out in airstreams.
What I haven't got my mind round yet is that the fan cooler enables performance to stay high, but I also see the CPU temperatures staying high throughout long tests. Why doesn't it show them cooler?
I was reassured by the two hour Chess analysis and other long high load tests which showed that the CPU temps reported by Mx Power Gadget and iStat are being being reduced to a sustainable c80C. The 30 minute Cinebench run I just did with the cooler kept them over 102C. Not sure I feel comfortable about leaving it running for long periods like this, at least without understanding it.
Apple didn't design it to be sitting on a cooler so maybe it affects the throttling logic which enables it to protect itself in normal use during prolonged high load runs.