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Run Windows Memory Diagnostic.
That's good, but it was also my best guess. When a computer randomly crashes in a way that isn't reproducible, but is always during high workloads (like gaming), bad memory is the low hanging fruit (in my experience).
Nevertheless, from what you've described, it is still probably hardware.
90c is system shutdown territory, depending on the exact CPU. This is your most likely culprit. Do some general maintenance to remove dust, replace dried thermal paste, rethink the airflow inside the case etc...
Note that lower graphics settings aren't going to appreciably lower the CPU temp. In fact lower settings are likely to put *more* strain on the CPU by increasing the number of draw calls since the GPU is going to try and generate more frames for the same effort unless the frame rate is artificially limited by something like VSync.
At any rate, adjusting settings to keep temperatures in check is not a good solution: your cooling should be good enough to handle every component of your system running at 100%. All your components ought to come, out of the box, with sufficient cooling to do that so you should give the computer a good dusting.