In general you have to take all reported results from users with a grain of salt. Most of them either aren't loading their system down much, have modified fans, or run a stupidly low ambient temperature (or a combination of the above).
Hmmmm, so I wonder what the hell is going on with my water cooler then? Should be keeping it colder than that since some claim to be running at 5.2 and seeing 70 deg C! Supposedly they come prefilled with water so I just installed it, made the connections, and powered everything up. How can I tell if the pump is running, and if it's cooling as it should? I've got the Thermaltake Water2.0 Performer.
400+ watts of power consumption through your CPU is going to create a lot of heat and even with full watercooling you'll see pretty high temps when putting the screws to a 4-module Zambezi.