Kernal task wasn't at a high percentage (I think it was around 20%)
If you have high wired gigabit network activity, the TB3 chip is overheating and the kernel task tries to kick up the fan. This is a known design flaw in macbooks and seems never will be fixed. This happens for me 100% of time if copying large files/time machine backup/photos icloud sync etc. It was worse on my old mb 15. Suprised when I first encountered this "feature", never happend on dell laptops for me (my dell's had dedicated rj45 ports)
With almost the same setup as yours my machine started this morning a time machine backup (still in progress): max fan cpu: 4000 rpm, 97 C !!!, kernel task 10-20%, after a while settled down: <2500 RPM, 68 C, bonus: heavy ssd coil whine.
All this with open lid + LG5K, turbo boost enabled, within one hour my macbook will slowly overheats and fan will go over 3000 RPM for the rest of day
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