Your Mac can run all day every day at 60 degrees C without any bad effects whatsoever.
Your Mac reads the actual temperatures from about a dozen different sensors inside chips and inside the enclosure and adjusts the fan speeds multiple times a second. If more cooling is needed, the fans will speed up.
If this fan-speed-update process stops, the fans fail-safe at MAXIMUM speed, which is unmistakably loud. in addition, the processor temperature sensor will cause an uncontrolled power down if the temperature ever approaches 100 degrees C, regardless of what the fans are doing.
There is no way you can do better that the nearly ten times a second your Mac adjusts its own fan speeds. Stop worrying about it. This is a job for a computer.