I don't think that hard drives have necessarily hit their limits - according to their own specs they should be able to run under room temperatures for years straight. What I do think is becoming more common is lack of proper air circulation.. I know for one that laptop manufacturers don't often put in adequate cooling
(my HP laptop ran hot to the touch even when it was on a nice clean desk with a good clearance, and neither do many common desktop manufacturers.
My solution? You can get cooling trays that you can put under laptops that constantly blow air on the bottom, increasing circulation. Alternatively, you can get something like
the laptinator to give the laptop more clearance on the bottom
(and great when you're using it out and about
).
For the desktop, I'd pop that bad boy out and give the circulation a reworking. Bind cabling together, make sure you've got a good air flow
(fan in the front sucking in, fan in the back blowing out - at least
) and see where it goes from there.
Or it could be a bad drive and you just need to RMA it.