"I am the only user of my 2015 macbook. Lately, it's began overheating and freezing while in use. Someone online suggested to create a test user account and see if it still happens. I did, and it seems to work fine on the test account. What could this mean?"
What it means is that there's something in your user account that is causing the CPU/GPU to "run wild" -- and in doing so, it may overtax the computer to the point at which it shuts down.
This isn't "OS-related".
It's "your-account-related".
Thus -- re-installing the OS probably isn't going to help.
It's going to be "a job" to discover exactly WHAT is causing "the runaway".
It could be one thing -- or it could be a combination of more than one app or process.
As mentioned above, you should consider as to whether you are running too many apps at once.
Are you one of those folks who keeps dozens (or hundreds) of tabs open in your browser?
What I would do is use either your "test" account, or perhaps another "new" account, and start doing some tasks that you normally do using that. You're going to have to be aware of possible permissions problems, and also monitor CPU usage.
Something else I would suggest (and yes, I realize it sounds "off the wall"):
SHUT DOWN the Mac at night, and reboot in the morning, if you're not doing that already.
It's surprising how much gets "cleaned out" when you do so...