Yes, but surely they have to make it to some sort of minimum spec. It's ridiculous having a new CPU running with stock everything hitting the 90's.
Yes...you are using the stock fan? Or you bought a fan and aren't using the stock fan?
Main reason I ask is fans aren't created equal and I have read posts on newegg about people using stock intel fans. Some say they have no problems while others say the heatsinks on the fan are crap. Though after you said you re-applied the thermal paste i'm stumped myself. Perhaps do a quick check to see what's running in the background + see what's running during the game.
You could try ordering a new fan for your computer and try that, but it maybe a bit extreme. One thing we're all in agreement with is once that svcker hits 95*C your computer will start auto-shutting down to protect itself.
One last thing I have to ask is when you are hitting those temps? Is it during intense fights or when you automatically load up BF3? Lastly, what settings are you running your computer on? Some games will rely more on CPU instead of GPU which maybe causing problems. *shrug*