For the average system, our rule of thumb at Puget Systems is that the CPU should run around 80-85 °C when put under full load for an extended period of time. We have found that this gives the CPU plenty of thermal headroom, does not greatly impact the CPU's lifespan, and keeps the system rock stable without overdoing it on cooling. Lower temperatures are, of course, better (within reason) but if you want a target to aim for, 80-85 °C is what we generally recommend.