Laptops are always going to have a problem with cooling, that's a given. But modern Intel CPU's, and that one in particular have a max operating temp of 100C. It seems high since only up until 4 years ago, Intel were the "cooler' chips while AMD was known for their space heaters. So long as you're not hitting the max 100C, it is perfectly safe to operate at those temps. Some tips though that may help with cooling is to angle the bottom half of the laptop, meaning the end that connects to the screen is elevated above the end where your trackpad is. This helps heat move in its natural direction, upwards. Also ensure the vents have room to breathe. Laptops nowadays are going for a slim design which also means the feet of the laptio provide very little room. So for light use while traveling, it works great, but for hardcore gaming, you're going to want to figure out a way to allow the vents to breathe.
As far as performance in GTAV, that is quite a demanding game and I have noticed stuttering in my rig as well which you can see in my signature, it's no slouch but HDD's do seem to give me issue with this game, so if you can squeeze it into your SSD, I'd recommend that. Otherwise, some laptops allow you to easily swap out the drives, and I would highly recommend tossing in a 1TB SSD as they're the same size (2.5"), you can usually find them on sale various times throughout the year.
One other thing in regards to cooling, you can try going into the BIOS to see if you can adjust the fan profiles to something more aggressive so it doesn't let the CPU heat up so much before turning on the fans.