I’ve used a AIO water block on my PC that has given me no issues for a few years now. If you have a smaller case/a case with bad airflow, it’s worth it for a water cooler. But if your case has good airflow, if you have a AMD processor the cooler it came with is solid. if you have Intel I would get some sort of cooler, either air or water.
In that case, like I said mine has been fine for several years now. The only issue I have had is that the pump ticks when it goes at full speed because I didn’t know what I was doing when I first got it. Keep the speed for the pump constant and around 75%-80% and you’re golden.