The technician is correct that the *solder that attaches the GPU to the board* melts at 200 deg. C, **BUT**...
What matters is the SILICON JUNCTION TEMPERATURE (T sub j).
If you think the GPU is getting hot at 105 deg. C on *the GPU case*, the poor junction temperature is nearer to 150 deg. C at the silicon level.
This is what ultimately destroys integrated circuits. On top of that, lead-free solder means that in the fabrication plant, they use temps of around 220 deg. C (and sometimes as much as 240 deg. C) to solder all the components onto the board during manufacture. This process alone is damaging components right off the bat. Don't get me started on lead-free solder - suffice to say the arguments against lead solder are totally bogus, and lead-free solder on its own is leading to premature failure of boards. Medical and military have special exemptions because of the problems! The perceived environmental problems of lead solder, as well as being exaggerated, pale in comparison to the environmental damage due to prematurely failed equipment, but I digress...
It seems clear from reading this thread that the cooling solution employed by Apple is inadequate.
People who are blaming AMD for the noise and heat issues are blaming the wrong people (unless they know AMD mis-lead Apple on the thermal output of their GPUs, but I find this improbable).
EVERYONE with a riMac 5k and M295X need to contact Apple to ask what they can do to resolve the thermal problem under load. It is the only way this will get addressed. No component should ever reach maximum thermal output and trigger thermal protection mechanisms as a matter of course. It is a total failure of the cooling solution should this situation occur, and is IMHO a design defect that warrants rectification.
It is very likely damaging sales, too. I would love to buy one, but with everything I read on this issue, I don't want to risk it because I know what it means for components to regularly trigger thermal protections - premature failure.
I suggest the reason sites are not reviewing this model (STILL) to any great degree is because of the obvious problems, and they probably don't want to report on it.
Of course, those with issues are always vocal, and that must be considered, as well as early batches of anything being subject to manufacturing issues that get ironed out as production continues, but unless the cooling method is changed, it appears this problem won't be going away any time soon, which is a shame.