95° it is very close to 105°! How do you handle it? Do you recommend smcFanControl?
It is better to play full screen 720 or windowed?
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Have you an other solution?
Well it isn't me handling it, now is it? That's my iMac. And she's handling it just fine.
It's important to note that TJunction is not where it shuts off, but where it starts slowing down (throttling). T-Stop for my GPU is 110°. I can't remember what it is for Intel CPUs.
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It is better to play full screen 720 or windowed?
If the resolution is the same, the load on the GPU is the same - With one crucial exception. In High Sierra and Windows, Full Screen games can disable unneeded system GPU calls - The desktop compositor, thus putting less load on the GPU, meaning that games often perform better in full screen. This is mostly used in Windows since it only came in High Sierra on the Mac side. It's easy to implement though. In fact, implementing it, only requires that you not use anything that requires the system compositor.
Also bear in mind that if the frame rate isn't capped, it won't matter how low the settings are, your GPU and CPU will run as hard as they can to deliver as many frames per second as they can, even if there's no benefit at all. Thus, whether you game at 720p, 1080p or 4k (assuming your iMac can handle the game at said resolution), if the FPS isn't limited, the load on the hardware will be minimally different.
I personally used to use MacsFanControl but I don't really anymore. The thing is that MacsFanControl (and all other fan control software) tops out at 2700RPM on my iMac, which is what the system reports as the max. However, macOS itself can push it to 3800RPM if need be. It rarely goes past 3200RPM, but it can. (If you start a fan control software when the fan speed is this high, it will allow you to control it to that level.)
Trust in the SMC and macOS is my advice. The temperatures may seem high, but they are within what Intel and Nvidia (in my case AMD) advice.
Have you an other solution?
Don't worry about it is mine

. - If you really want to do something though, there are other options.
1) Undervolting and underclocking your hardware, lowering its performance but also temps.
2) Pulling the machine apart and replacing the thermal paste - This might net you 7° lower temps.