Ordered a new pc

I had to upgrade my pc, so I just place an order with NewEgg for the parts to assemble a halfway decent rig that isn't TOO expensive. It's still not cheap!

MSI Pro B760-P LGA 1700 DDR4 WiFi
Intel i7 12700KF 3.6 GHz Alder Lake 12-core
G. SkillRipjaws V Series 32GB DDR4 3200 RAM
Gigabyte GeForce RTX 3060 Windforce 12GB
MSI MAG A750GL PCI-E 750W PS
Patriot P410 M.2 2280 1TB SSD
be quiet Rock 3 120mm cooler
ASUS A32 ATX Case
Logitech G403 Hero 25K Mouse

(does not include Win11)

That's a little over $1600US.

I should be getting the parts over the next 7-10 days.

There were $30 in discounts.
And they tossed in a Cool Master Elite Liquid 240 CPU AIO Cooler for free. (I'm hesitant to use WATER around electronics!)

I upgraded my PC early last year.
Don't know my old specs in detail any more but both CPU and GPU were AIO cooled. Both lasted 10 years without any issue, being really quiet and never once running hot.
I managed to get my 1080TI up to 70°C when I tried to run some text to image systems on it, so really pushing the card to its limits. The CPU never went above 50°C.

My new system has a custom loop water cooler on it, the GPU was air cooled at first because the backplate for the conversion to liquid wasn't available. The card sat at 60°C idle temp.
After the refit it's sitting at an idle 28°C, I've yet to push it to 45°C, even under high loads.
The CPU runs a little warmer in that setup, usually peaking at ~70°C for a couple of seconds.

I've only heard of old custom loop systems ever leaking (or someone clueless trying their hands at it and failing), and I've never heard of a system getting destroyed because of that.
If you ever plan to really give your system a load to work on, use the AIO. Its larger heat capacity and way better cooling capability can even improve the performance of some chips.
If you won't ever run high loads on the CPU it doesn't really matter if you're going for air or water. Air is usually just louder.

Thanks for the info!

My comment about "water" is kinda tongue-in-cheek, knowing that it is a mix of deionised water with biocides and anticorrosives: "Fancy water".

Yes, I've read multiple comments over the years that an AIO can be good at cooling; some say better than air cooling.

My rig is for multimedia, 3d modeling stuff for game engines like Unreal, and general use. It can get heavy at times, even with a high-end rig, but you just have to pay attention to how much load you put on the system. Any pc can get bogged down if a scene in Unreal is too large, or you try to work on a large file in Blender.

The best way I know to manage the load on a pc is to watch how large a file you are working with. Quality cooling makes that easier!