Louis Rossmann made a video[1] a while ago presenting how badly optimized is the cooling on new MacBooks. In short: Apple prefers their MacBook CPU and GPU to run hot and thermally throttle so that the user is happy because the machine is quiet, and then, more importantly, Apple is also happy, because when it overheats often it has a shorter lifespan so you’ll have to buy a new MacBook after 2-3 years.
https://www.youtube.com/watch?v=wgeh7ZJRhZU
edit: Bear in mind these videos are about new MacBooks so there's no way to predict their usual lifespan. And I'm not saying all of them die after 2-3 years. Apple is simply optimizing for the 90% of users here, people doing mostly web browsing and using Microsoft Office. This does not put a sustained load on the CPU/GPU so these users will be fine.