I just built a 13700k system for a lab box. My plan all along was undervolt (stable .130 undervolt) and limit max PL2 to 175w. I probably get 85% or better of listed performance and it runs a cool 60° even under max load, which I will frequently run for 24h at a time. For me, cool and stable was always the goal, sounds like this is just bearing out my decision.
Note, I would have gone AMD, but I needed quicksync for Plex.