Okay, I've had some more time to play around with this today. I reinstalled MSI Afterburner and still had the issue. BUT I turned the power limit down to 70% and that's definitely making a HUGE difference.
For example: Set fans to 50%. I booted up Gears 5 when the power limit was at default, or 100%. Eventually the fans went nuts, full on jet engine. Monitoring software said they were at 50%, but they sounded similar to setting them at 70-80, maybe more.
Turned the power limit down to 70. Temp limit it 79c. So far (and those are the key words), it's running at a reasonable rate and keeping the fans at a sane level.
So my question is, am I going to see a huge performance decrease by turning my power limit down to 70? Obviously I'll figure that on my own, but I've never messed with that slider before, so I'm curious how much it can alter performance. Thank you for any and all help!