For home/hobby use this doesn’t matter too much but you typically want to run as hot as allowable. It’s a win-win since small heat sinks are cheap and don’t have any moving parts.

I have a huge heatsink on mine (40mm cube), and even without the overclock it will crank up to 80C doing long running compiles. Running it at 80C for an hour or two, the temp of everything on the board starts to approach 80C. Touching the usb ports at that point will give you a surprise.

So, I added a small 20mm fan, and set the profile to kick on at 60C, which generally keeps the soc thermals in the 60-70C range. No throttling, and still no noise because with that large of a heatsink it doesn't take much air to cool it.

Add in a couple hundred Mhz of overclocking and that fan stays on pretty much all the time.