That computer is the "Muscle Car" of notebook computers. Many, many things are conspiring to cause it to throw a lot of heat. The fans were dramatically improved. Now they move about 40 percent more air -- but not enough to ensure users will not complain about them.
Intel is three years late producing the promised processors, and still has not done so. The current version was supposed to be a 7nm chip, but Apple was forced to use a 14 nm chip, which generates more heat than expected. In order to meet the performance goals, it has more cores than it should. In contrast, Apple's foundry for its A-series processors hit its mark and the chips in the newest IPhone will be 5nm chips.
When lightly loaded, it too-easily invokes Turbo Boost, (which in my option is just specsmanship), but that causes it to throw a huge burst of heat for no compelling reason.
The drive speed is a phenomenal 2500+ Mbytes/sec read and 2800+ MBytes/sec write. That's about 100 times faster than the drive in a MacBook Pro 2012. So if you run a third-party Virus scanner, the drive is so fast it does not suffice to slow down the rate of scanning your files. Third-Party Sync-ing Apps like DropBox, BackBlaze, iDrive, OneDrive, Google Drive and similar, when allowed to run at login, will chew up resources non-stop, and throw even more heat.
Modest sized external displays (well under 4K) connected with DisplayPort (or its cousins ThunderBolt-display and USB-C display) do not tend to force the DDR6 display RAM into high-speed mode (which demands an additional 12 Watts of power). All others -- it depends on whether the combined Horizontal timing of all active displays can be satisfied using Low-speed/Low-power Display-RAM mode or not.