The first thing I noticed was that your idle temperatures are exceedingly high, especially for an AIO. My air-cooled ryzen 5 idles at around 35c with nearly zero fan speed on a $30 air cooler.

Most AIOs need servicing after a few years- find instructions on how to disassemble yours, clean the water block, flush the radiator, and refill with a deionized-water/glycol mix.