2 things: First, Windows 12 being subscription only has been “debunked” multiple times, as the source for the article that shouted that from the rooftops was code for Windows 11 - which MS is currently working to have a subscription cloud-based version of for enterprise customers. Second, MS is 100% working on and going to launch cloud based Windows for enterprise customers “soon”. It can be largely cloud based, and all that has to be installed local is instructions for how to log in and access the cloud during boot, and likely won’t be able to do anything itself if the internet is disconnected.
In my experience with them, MSI laptops tend to run quite hot in general, your OS probably isn’t going to fix it. You can try one of those laptop cooling plates, basically a mesh platform with fans, ensuring cool air is always available to the laptop intakes, but it isn’t exactly a perfect solution.
Really it just needs more cooling capacity - they seem to cut razor close to the amount needed in their designs so when eventually cooling becomes less efficient either through fans getting tired/clogged or thermal paste/pads breaking down, it will not keep up.