|"SpeedFan 4.37 reports that the temps go between: 93-100C in idle"|
Personally, I don't trust Speedfan. Did you check the temp readings in the BIOS for comparison? Have you tried any other temp reporting software? Doesn't MSI offer it's own software, either PC Alert or Core Center?
"I get low fps in games"
There's no mention of which video card you have or which games you play, but if you have a low end card & you're trying to play a demanding game such as Crysis, of course the framerates will be low. It's also possible (as you said) that the CPU temp is so high that the system is "throttling back" to prevent the CPU from burning out. The 1st thing you need to do is confirm the temp readings...if they are really that high, the problem is likely to be an improperly installed HSF. Either too much thermal paste was used, not enough (or none at all), or the HSF isn't fully locked in place. Check these instructions & make sure this is how the paste was applied: