I updated from 18.04 to 20.04 a couple of weeks ago. With 18.04 the mean temperature was between 28 and 40° in light usage (YouTube, browsing etc.), now with 20.04 is always over 40°, also while in idle. I tried updating the Kernel from 5.4 to 5.6.10 and now 5.6.14, but nothing. I have an MSI Prestige 15, with an i7-10750U.
There's really nothing wrong with 40°C.
If you've overclocked your CPU or GPU, set it back to default.
Make sure that you only have one thermal process.
ps auxc | grep -i therm. If you have two, then purge
sudo apt-get purge thermald.
You have BIOS E16S3IMS.106.
BIOS E16S3IMS.108 can be download from here. Confirm your exact model # on this page.
Note: Have good backups before updating the BIOS.
You have Nvidia GTX 1650.
The current driver is 440.82, and can be downloaded here.
To cool things down, select the Intel video subsystem, when the Nvidia is not needed for games, etc.