I don't agree. The iMac's cooling system is not poorly designed. It is, however, also not designed for constant 24/7 maximum load because that's not what normal users tend to do. The iMac's cooling system was designed with its primary target audience in mind, which is not necessarily professionals. Professionals tend to run much more demanding tasks, which is why the iMac Pro's cooling system is completely different from the iMac's.
In return, the iMac's fans stay virtually silent until the temperature is close its trip temperature whereas other manufacturers keep it at or below 70-80 °C. Case in point: go browsing the web with a 16" MacBook Pro and with an equally expensive and similarly powerful Dell XPS 15 or Lenovo ThinkPad T15. Both will ramp up their fans much sooner than the MBP.
But hey, you're free to disagree with me as much as you want and have your own opinion. No harm done. Maybe the iMac is not the right computer for you. Maybe you're better off with an iMac Pro or a Mac Pro, both of which tend to run much quieter under load.