Thanks for the tip. I hadn't known about powermetrics before. I've had a 16" MBP with the same specs as OP for almost 2 months now, and I use it with a 4K external monitor, and haven't noticed the any issues with fan yet.
**** SMC sensors ****
CPU Thermal level: 47
GPU Thermal level: 0
IO Thermal level: 0
Fan: 1828.89 rpm
CPU die temperature: 64.80 C
GPU die temperature: 68.00 C
CPU Plimit: 0.00
GPU Plimit (Int): 0.00
Number of prochots: 0
Incidentally, the `Number of prochots` field in command's output made me chuckle. At one of my previous jobs, I spent some time on a team that owned the fleet wide server auto-remediation service and the prochot alarm and the resulting CPU throttling would end up reducing the available CPU capacity in clusters and sometimes knocking out entire services. I have bittersweet memories spending sleepless nights trying to debug it.