You don’t have to overclock, but I’d at least look at your mobo’s settings. Many mobos set really, really bad, non stock settings by default, especially with XMP memory.

An example: they might default to 1.3V VSOC which is absolutely a “default overclock” and is going to make idle power skyrocket, and your CPU potentially unstable because infinity fabric doesn’t like that. For reference, I personally wouldn’t go over 1.2V VSOC myself and shoot for lower.

I’d recommend Buildzoid’s videos:

youtu.be/dlYxmRcdLVw

youtu.be/Xcn_nvWGj7U

And Igor’s Lab for general text info.