2) I reckon the majority of those connecting external monitors to their MBP16 will absolutely know that there is a problem, as the jet engine / hairdryer fan noise will commence soon after starting work including in low usage conditions - I only use MS teams, Office apps, Chrome, Safari, Apple Music and Podcasts. I'd say that's low usage. No coding. No video editing. No graphics editing. And I've still had to take action so that other participants in MS Teams calls can hear me above the fan noise (disabling Turbo boost).
I highlighted your "heavy" use cases.
Chrome still does NOT make use of Metal on Mac OS, and since MS teams and Office apps are now Electron-based, which is Chromium-based, they are also not making use of Metal.
You'd think those are "low usage", but on a Mac, they are not.
Other apps people may think are "low usage" but are actually not are: Slack, Facebook Messenger, etc...
Gone are the days when software developers write apps from scratch with efficiency in mind. Everyone must now use a "framework" because... the industry is doing it.
P.S.: as an aside, coding is actually lower usage than your usage. Imagine that. Your problem is basically that the GPU is being forced to 20W and also forced to work over time to power MS apps and Chrome because they are not optimized for low GPU usage on Mac.