I have yet to read a review for how-to-build-your-own-pc that recommends water coolers (or more exotic stuff) as risk-free and maintenance-free. I don't mean a year or two.

I run my desktop since... 2018? and didn't have to think about noise, power consumption nor worries about short-circuiting everything, ever. There is no computer in this world power worth losing this (for me, I know I am pretty far from enthusiasts in this).