FWIW though, it does happen on my work issued 2018 MBP 13 i7/16 also under similar use.
Yup. A lot of the problem is software, and especially video conferencing/editing/playing software using codecs apple do not support.
I think in general, irrespective of what apple laptop you buy, you want to be trying to limit your use of third party, poorly optimised and/or non-system codec using software as much as possible. This sort of thing impacts all Macs, but if you're using one that is both thermally and power constrained to the degree the MacBook Air is, it will be more noticeable.
It's not just video software though either. I just found a bug in VMware workstation (maybe mentioned earlier in thread) that results in massive excessive CPU consumption due to a bug between VMware's video driver and metal. Disable VMware Fusion's metal support via a config file edit for it and performance is night and day better with much less CPU use, noise, better performance, etc. I suspect Parallels is a lot better in this respect.
TLDR: in a small low power device like this, software choice can make a HUGE difference because resources are limited - there's less to throw away wastefully.
If you aren't willing to adjust your software use to suit the hardware, a Pro (or even better, a desktop Mac) is probably a better choice. But even with that, you'll still pay the price in reduced (vs. potential) performance, worse battery life, more heat, etc. It will just handle the load better because there's more power available.
If you ARE willing to restrict your use to well behaved software, the 2020 Air is mostly silent, gets great battery life, etc.
If you make those compromises though you'll improve the battery life, noise and performance on any other Mac as well.