Hi, I wanted to add my 2 cents to this problem.
I also had this problem with my Macbook Pro 16" 2019.
It drove me mad because with two external monitors connected the energy consumption would rise quite high without doing anything and light tasks would always trigger the fans on the MacBook.
If I remember correctly sessions where I only did Zoom with two external monitors connected drove the power usage to 45 - 65 watts and the fans ramped up very loud, very annoying!
So beginning this year I sold my MacbookPro 2019 16" to someone in the family and she is very happy with it. She only uses it as a laptop without external monitor. She does web surfing, emails, word processing, photo processing of her iCloud photos and the machine is silent.
I switched to a Macbook Pro 2021 16" M1 Pro in march and am very happy with it, no more problems with heat and fans.
When I run it connected to a 4K 43" monitor and a 27" 2560x1440 monitor which are connected to a Caldigit TS4 dock, it idles at about 10-11 watts.
When I close the laptop lid and use it in clamshell mode connected to the 2 monitors via the dock the idle consumption sinks to about 4-5 watts, this is brillant
I am mostly working with only the two monitors because they are much bigger than the MacBook 16" display and I do not need three monitors, so I keep it in clamshell mode mostly.
Zoom sessions and other more heavy work do not trigger the fans at all, most of the time the fans do not spin atl all (0 rpm). When I am doing something more intensive like gaming or more complex software development, the fans are about 1600 rpm I think and I can not hear them, they are very silent. So in the 8 months that I own the M1 pro device I never have heard the fans and the energy consumption is great, best laptop ever.
So if you cannot live with the problems of the Intel MacBooks I would highly recommend to upgrade to the M1 pro chips, it really makes a big difference and you can have silent operation again.
The only downside for me was that I sold my 2019 Macbook Pro 16" with heavy losses because the advent of the M1 equipped MacBooks really drove the used market prices down for Intel MacBooks :-(
Greetings Janni