I really do not know what is too hot and if I need more cooling?

most recent cpus are designed to support temperatures up to 100°C ( afaik athlon-xps should run fine @ 90°C )

but: i really encourage you to buy some good cooling system; it cant be that good to run a system at such high temps :)

my systems/temperatures:
dagobert [p4@3.2ghz] : 45°C ( biiiig heatpipe + 120mm fan )
bolivar [tb@1.33ghz] : 50°C ( 120mm fan )
trophy [dual pII@.23ghz] : 20°C ( 2x 80mm fan )
hive [ath@.7mhz] : 30°C ( 2x 80mm fan )

btw, your temps are fine.

As stated previously, it is not overclocked, and not running hot. CPU temp 57C right now, after hours of full load. It has run setiathome-command line, 24/7 for years.

57C seems uncomfortably warm for a processor to me.

P.S. I hate to say it, but you are wrong about the 48 hours before stats start showing up. A couple of completions is all it takes, for the user total to be right. Sure, the graphs are meaningless for the first day, but the numbers are correct.

Straight from Berkeley's help page:
Statistics

Shows some simple charts and graphs about the user and host progress

NOTE: This feature requires three connections to each project scheduler on three different days before it starts to work properly.

Nah, 57C is not even close to a problem, when you measure directly on the chip. 75C works just fine. But there really is no uniformity, in the way mobos measure CPU temp.

I agree that the graph may not work correctly, until so many days and units, but the user total graph does show the correct number, after just 2 or 3 WUs..