Howdy Corncab44,
No, I am not plugged into an external monitor. I am not using any third-party fan control software, and let macOS. handle it. My fans run around 1800 RPMs when idle and the spin up to around 5800 RPMs when they seem to be a the loudest. I would fully expect temperatures to be higher when using an external monitor, as it engages your AMD GPU, which makes the system run warmer. When I am using applications like a game, or the Unreal Engine the AMD GPU is used, and temps are much warmer (about double). What is funny/strange, is that when a game starts, the fans kick up almost immediately and the temps stay pretty stable (68 C) the whole time, but when the Unreal Engine starts, the fans start out low and the temps climb all the way to 99C before the fans kick in. I am not too worried about the temps, as if the systems not cooling them effectively enough, it will fail, and Apple will have to repair/replace it. My background in PC hardware/building/repair reminds me that unless you know the placement of temp sensors, you have to take a reported readings with a grain of salt. If the sensor is measuring temperature of an integrated-heat spreader or a heat sink itself, you don't actually know the tempature of the die itself. Intel CPUs have built-in sensors, which is what I assume Apple uses, but I have to wonder about that. The thermal-design threshold of most Intel CPUs is 100C before it will throttle itself to prevent heat damage. Unless Apple has overridden that feature, I don't know how my MacBook Pro can hit 99C and NOT throttle down. This makes me think that there is some wiggle room in the temps that are being reported.