Under 50 would be good, but under 60 will still be a great improvement from where you are now.
I found the RAM on eBay, and it's nothing special. Under load and not wearing big heat spreaders this RAM gets warmer than the Apple stock and OWC RAM that used to be in it, but I've compensated with fan control. If you're content with your existing RAM then no need to try something different.
Also, if cleaning out dust bunnies lowers your PSU temps then your RAM temps are likely to come down, too. If your machine is that dirty at the PSUs then it's likely dirty everywhere else inside.
Hint: when you open up the case and blow it out, do it outside or someplace you don't mind getting dirty. If it has been a long time since it was de-bunnied you might be shocked at how much crud has accumulated inside. Somewhere on this forum is a post explaining how to really thoroughly clean inside a cMP. Blowing out fans, heat sinks, grills, nooks and crannies...
As for a temp monitor sitting on top of full screen app, sorry I haven't played with something like that. In MFC > Preferences > Diagnostics there is an option to Enable logging. I haven't tried it, and I don't know what info is captured nor in what format, but you could easily try it out and see if it gives real-time temp data that you could look at later and correlate with your full screen app's behavior. My hunch is that the log file will be readable by Console app.