The current version of macOS Tahoe is 26.7. Based on your post you are running an older version, so the first step is to update your Mac to the current version.

See: Update macOS on Mac - Apple Support
That aside, keep in mind that 52°C is entirely safe for an NVMe SSD. Most modern NVMe blades are rated to idle up to 50°C–60°C and will not begin thermal throttling until they hit roughly 65°C–70°C. While annoying, it will not damage your hardware.
In recent macOS updates, Apple changed how the kernel interacts with the external USB/Thunderbolt bus. In previous versions, when you unmounted a drive, macOS properly negotiated a Low Power State (LPM / U3 sleep state) with the enclosure's bridge chip (such as ASMedia or Realtek).
However, current behavior causes the OS to continuously poll or refresh the hardware bus. Even if a drive is unmounted, macOS prevents the USB controller from entering a deep sleep state, forcing the NVMe drive and the bridge chip to remain fully powered at idle. This active idle state causes NVMe controllers to run around 50°C–52°C.
How to Fix or Mitigate the Issue (if desired, not really necessary:
Turn Off Network-Induced Bus Refreshes
A major trigger for this behavior is "Dark Wakes"—where your Mac wakes its processor in the background to handle network tasks, inadvertently waking and scanning the USB bus.
- Go to System Settings > Energy Saver (the setting may be slightly different from mine, since I use MacBook Pros not a Mac desktop).
- Turn off "Wake for network access".
- Ensure "Put hard disks to sleep when possible" is adjusted (ironically, toggling this Off sometimes prevents macOS from entering an infinite loop of trying and failing to sleep the drive controller).
Terminate Persistent USB Power via Terminal
You can use pmset to force aggressive sleep settings on your disks and prevent background network sleep cycles from keeping the controller awake:
- Open the Terminal app.
- Run the following command:
sudo pmset -a disksleep 1 powernap 0 tcpkeepalive 0
- Enter your password and restart your Mac.
Physically Disconnect the Drive
Because macOS currently maintains power delivery to the port even after software ejection, the only foolproof way to keep the drive at room temperature when not in use is to unplug the cable. NVMe drives lack the mechanical power-down state of spinning hard drives, meaning as long as the port supplies power, the SSD controller remains warm.