This is, in many ways, intended to be overly engineered just to ensure that my precious PC doesn't get damaged.
I've never seen a PC physically damaged from "normal" overheating. If something literally burns-up, it's normally damaged before you get smoke & black-dead components.
I haven't had a CPU overheat in a long time... When it did happen (due to a "frozen" CPU fan) the CPU would slow-down to a crawl to protect itself and there was no permanent damage. I believe Intel & AMD processors both have over-temperature protection built-in.