Despite the BIOS lockout, software overclocking is still quite possible. In Windows, Ryzen Master mostly works fine (though memory tuning is locked out, CPU speeds and voltage are fully controllable.) In a similar manner, ZenStates (a collection of python scripts that toggle various msr registers) can change clock speeds and disable C6 in Linux.
See here: Overclock your Ryzen CPU from Linux
Disclaimer: This tool looks like it didn’t see much development past Zen+ and Zen 2. Anything newer than Zen+, I’d use it with extreme caution.