Installed CS4 and iWork... while doing some less intensive stuff like surfing the web.
Called Apple and the guy said it was normal for doing things like installation. Running the HDD, Memory, and CPU all at one time apparently spikes temperatures. I thought it would, but I read somewhere the computer shouldn't go above 130F. Apparently thats fine as well.
He said his computer he was on at the moment was about 160F. So I guess I'm in the clear... but I think I'm going to buy Apple Care just to be completely safe.