I have this same problem I bought my microsoft surface pro 7 model 1866 i5 in February 2020
it gets so hot I have to shut down my work and power off the device because it feels unsafe
I attempted to return it and was told they get this way and to call microsoft.
It may well be designed to "The magnesium body of the Surface is designed to absorb heat and cool down quickly" but it doesn't feel safe.
I was trying this out because I like using microsoft office products over google docs and sheets and didn't really want another lap top also our office is looking to replace our apple tablets.
Unfortunately if this heat is a huge issue as we all feel it is too hot to the touch and feels unsafe physically and to our data.
I tried all the suggestions above and have turned off several of the programs that were the reason I purchased this.. yet it still gets really hot after about 8-10 minutes of use.
I am going to try down loading the thermometer ap recommended in a different posting on this.
any other advice or success in keeping these from over heating would be appreciated.
thanks
N