44癈 isnt too bad for idle... it is a bit high tho... idle temps dont really matter tho, its best to check what it is at full load
are those GPU temps in Speedfan the same as what you get in RivaTuner?? cuz thats really high for idle
you can run at those temps, that is to say they're not unsafe, but undesirable... the CPU load temp is quite high tho, but as long as you dont run it at over 65癈 (150癋) for extended periods it should be OK...
i highly recommend you get this just to be safe -> Newegg.com - Sunbeam CR-CCTF 120mm "Core Contact Freezer" CPU Cooler - CPU Fans & Heatsinks