The lower end motherboards may use fewer VRMs, which means bigger steps, which means more heat. This becomes a larger problem if the PSU is not regulating tightly (+or- 3% or less). Dust (which can accumulate in small places) adds to the problem.
If you monitor PSU and it stays within +-3%, then don't worry about PSU - but if it is larger variation, you might want to upgrade that.
You said above that you had stock cooler - I mounted a 120mm on top of one by using a few screws and popsicle sticks. Hokey, but it worked.