You guys worried the chip will degrade over time? It shouldn't since it is protected at 105C.. Its not going to start melting, the melting point is much higher than that. Silicon melts at 1400C for example.. of course there are other materials used on the chip, but just saying that if they engineered it to work at 104C and protect itself at 105C, then it will be fine.
Unless someone here has concrete evidence that high temps causes CPU degradation to many people? The only chips I have seen destroyed are ones with the safeguards/throttling turned off and chips pushed WAY beyond their engineered realm of operation.
A barrier I would see is if you set it to 104C, and then your ambient temps increase on certain days. So you'd want your max ambient delta to be considered. So something around 90C, expecting a ~+10 fudge factor on your ambient.
Another situation is cooling degradation. If your PC collects dust, with time you might gain some temps, so keep an eye on temps and dust PC often