Most likely your fan speed is controlled by the CPU temp and it is set to hold at 65degC.
a bit warm, but not outrageous.
Replacing the heatsink or fan with a high efficiency unit would then let the fan run slower (and quite) and the temp stays the same.
The BIOS has an alarm, and the lowest it will go is 95C.
So far the machine is stable, so I guess I will make do with the fan I have until I find a better one.