Air cooling is just better
Air is better than water
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Like i give a fuck what cools best. I want my system to look awesome and the AIO sure looks better imo. At the end of the day: build the PC that makes you happy.
Some suggestions here, the first a good GPU that can run Cyberpunk or the Witcher III at 300 FPS
https://www.pugetsystems.com/labs/articles/1-7x-nvidia-geforce-rtx-4090-gpu-scaling/