Ok, after tweaking whatever I can, I managed to get the temps down.
Looks like my cheapo mobo was just feeding the 13700k with too much voltage. It even had a "Core voltage boost" that cannot be disabled. I just had to set it to the lowest setting.
Vcore offset -100mv sometimes work sometimes doesn't. I think I solved it by setting the offset in 2 different bios menus.
Loadline calibration had to set to the weakest level so that there was more vdroop.
All-in-all, managed to drop vcore voltages about 0.1v during assassin creed origins. Temperature dropped to around 65-70'c instead of 75-85'c. This is with the fans tuned down more than before, no need to be in power saving mode, and all turbo boost turned on. PL2 set back to 253w. Other games also showing better temps.
The only sad thing is I cannot set the V/F curve as that would have helped a lot. Vcore offset sets all the ratios but VF curve can set higher ratios to lower voltages. Bios settings just doesn't work and Intel XTU doesn't show the VF curve tab at all.Â

Not sure why. Cheap mobo maybe....Â
Anyway, quite happy with the results. If I am ambitious, I might try to drop the vcore offset a bit more but I read it is difficult to get -150mv unless you are lucky. Idle vcore is already like 0.648v. VF curve is the way to go.
AFAIK some (or most) Z mobo will behave differently when drop in a K sku CPU and will default to different setup, ie PL1 & PL2 becomes unlimited. Problem is ur Asrock mobo VRM is underspec and is dumping loads of voltages & heat out just to run that CPU unlimited. Compounding with a insufficient cooler, ur system is more efficient as a spaceheater than running at its full potential. I'm afraid to say but I reckon its better to change that mobo to something better, MSI Z690 Pro-A is probably the cheapest decent one but mostly are DDR4.
Another you could consider if you can stump more money (and selling that Asrock mobo) is this Asus Strix Z690
If ur a bit more adventurous you could also put in Thermalright's anti bend frame.