The root cause of the heating, is bad physical heatflow design in general (My fans are already on max usually in these cases). I've taken some measures for cooling though occasionally temperature levels still peak.
You may want to look into a laptop cooler.
I can understand if the CPU scales down as an emergency measure (and is quite likely the case). My problem is that it doesn't scale back up when the temperature comes back to normal (~60 degC). Infact I've also suspended the laptop, left it for an hour to come down to room temperature and on resuming the scaled down levels persist. Although I'm not able to find a way to check that it is indeed scaled down, just simply the performance drops
Powertop may be of use, I'm not sure. Again, I suspect that it is a hardware failsafe mechanism, so there's probably nothing you can do about it. Your only option is to prevent the CPU from hitting 95 degC. --Sean