The question on the table can be divided into two parts. First does your computer need cooled? And how cool should it be??

Answering the first question is easy. Yes, your computer needs to be cooled. Processors have gotten very efficient at converting electricity into work but still generate heat as a byproduct. Something about equalizing an equation that contains an efficiency coefficient. Lots of math and the bottom line is the chips need to run at a certain temperature to maintain that efficiency.

Answering the second part is a little more complicated. How ?cool? should your computer be? Hardware manufacturers like Intel, AMD and NVIDIA go through great lengths to answer that question. They want to know how long these components will last and ultimately determine if it will survive the entire warranty period. Beyond that they are no longer responsible and will move on.