I would say 60-65C shouldn't be a huge concern. Usually modern processors are designed to run at least up to 80C without issues. If you don't get stability problems then there's nothing to worry about....unless of course you want to keep it for 20 years. The hotter it runs the more likely you are to get EM problems, if you get EM eventually the processor will "break"....but that'll usually take a while if you're within spec.
Check AMD's website to see what spec is on the processor heat. I know that the old Intel Celerons were good up to 70C by spec.
Also, the number of fans you have has no bearing on your temp unless you have proper thermal design. Adding fans can actually increase temperatures in regions.....so beware.
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