God, I’m in Sacramento, and I’m here answering Q’s…
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The fan could be going full speed, and its not going to do anything if the surfaces are covered. Dust is an Excellent insulator, step one since its a PC blow out the dust. Yes blow out the dust, don’t use a vacuum like another Nyspeeder did in the past.
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There is a possibility that the heat sink may not be seated on the processor as well as it should. This would be a last resort to check.
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Unless the fan is completely broken, I do not see any point in spending more money for a better fan, better heat sink unit. It worked in the past it was able to cool it back then. so yea… it should now.
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CPU usage. Ctrl + alt + del and look on the process list, and see what is running at ridiculous high usage… (you can sort by cpu usage to make it easier, so do that) 95% sure already its a virus/spy/mal issue, virus scan in safe mode could help. But ultimately may just be you reformatting, and reinstalling everything.