My experience is as many others on this thread.
I have a MBP 16 8-core i9 with 32GB RAM, 1TB SSD and the AMD Radeon 5500 4GB graphics card. Up to date MacOS. My daily usage is Microsoft Office for Mac (Word, Powerpoint etc), Microsoft Teams, Outlook for Mac, Chrome with multiple tabs open, Safari, Monday, Mail, Apple Music. No video editing. No coding. No graphics editing.
I initially used it without an external monitor - delightful. Low heat and fan noise unnoticeable. Then decided I needed an external monitor. Bought a new Philips 346B1 ultra wide 34 inch monitor connected via USB-C. Lid open on the MacBook Pro as I use the keyboard, Touch Bar and speakers. Since then the experience has been unacceptable. Heat is noticeably high, hot to the touch and regularly over 75 degrees C. Fan noise heads to around 5,600 on both sides. via iStats I see that the Radeon GPU is consuming almost 20W vs less than 5W when not connected to a monitor. On Microsoft Teams video conference calls this is very noticeable to colleagues on the other end of the call. And it's very noticeable and annoying to me.
I have AppleCare+ so called Apple Support. Reset SMC, Reset NV-RAM. Reinstalled Catalina. No difference.
Apple support escalated to engineering. They called me back this week and told me that engineering had advised them that this was "expected behaviour". Well I'm sorry but I do not accept this at all. It can not be acceptable for a laptop marketed as being able to support two 6K displays to ramp up the heat and fan noise to these levels with a single monitor connected.
I now need to take it to an Apple Store for the Genius Bar to take a look. But I have no intention of accepting this "expected behaviour" nonsense. Right now, I'd like to exchange it for a 13 inch or, if the 16 inch with 5600 GPU is proven to be OK, perhaps that. I will continue to escalate until this is either fixed or I get an exchange. As someone with Apple products all over the house and with all of the family using them too, I am normally firmly on their "side" in general, but this experience with the MBP 16 is just not acceptable.