What do you think cools the fluid? Air.

There are plenty of great air coolers that can keep up. Most of the AIO coolers can’t keep up with the best air options.

If you’re looking to OC and squeeze out a negligible amount of performance, then a custom loop would be alright, but it’s never been an absolute must to liquid cool any desktop grade processor.

Air cooling has always been fine.

Are you implying non-racist conservatives exist?