What are your VRM temps AB350 pro4

I would be very surprised if the VRM temperature on both of these boards is as high as the reading you get in HWiNFO.

Both of these boards have a nine phase VRM design, with heat sinks on the VRM chips. That is not a weak, power limited design. A simple test would be to touch the heat sinks with your finger while the PC is running. The heat sinks would be very hot if the VRM chips were at ~100° C. If you had an IR thermometer, you could measure the heat sink temperature.

The programmer of HWiNFO knows only from experience which of the sensor chip's outputs is for the VRMs, but that assumes that the board itself actually is designed to provide a VRM temperature reading. Less expensive boards like both of these may not have that feature.

Sensor output readings that do not have a data input will usually have high values that do not change. My ASRock X370 Killer SLI/ac board has VRM temperature readings that at idle are in the low 30's C for the CPU, and high 20's for the SOC. The CPU VRM temperature varies by several degrees during normal use, and is a bit higher or lower depending upon the room temperature, and only goes above 50° C during CPU stress testing.

If both of your VRM temperature readings never change, and are at the high values you listed, then either the board does not provide VRM temperature readings, or the HWiNFO programmer is not reading the correct sensor output for those boards.

so i just install Hwinfo64 and i see my VRM is 103c at IDLE !!! im running a 1700 non"x"  no overclock ram is at 3200Mhz also i have a top-flow CPU cooler  (dark rock tf, rated for a 220watt cpu)