There is simply no way that your CPU would run that hot if the HSF is properly mounted so either you have a sensor readout error or you have a heatsink/fan mounting or fan speed issue, assuming the ambient room temp is below 120 F and you're reading the core temp, NOT the CPU temp..
The reason that your machine is NOT shutting off at 95C is because your CPU isn't running core temps of 95C or it would shut down.
I would suggest that you use Core Temp software to read the APU core temp as HWmonitor and other software can read both the core temps and the "CPU" temp. Unfortunately "CPU" temp is NOT the actual core temps of the CPU but is a thermister mounted on the CPU mobo below the CPU socket. This thermister typically reads 10C-25C higher than the CPU cores and is confusing to many people.
All of the CPUs/APUs are 100% tested just before they are boxed. It's almost NEVER the CPU/APU that is bad as threads here and in every PC forum on the planet confirm --- once people find the real issue.
Building a reliable PC involves more than just assembling the parts. You need to be able to configure all of the BIOS settings appropriately. This can be quite involved and frustrating as it can require a lot of trial and error with stress testing. It is however often the only means to get a 100% reliable PC.