even the crappy kits that you can buy are better the the stock heatsink option.
I myself am ammazed what a difrence watercooling makes in temperature compared to air,
in my system all i have is a BIX rev2 and a Bixmicro2. and my CPU never goes above 33C with full load (onboard temp probe for P4)
my other system that i will be watercooling next runs at 60c steady.
and I have a lot of fans on it... spec
here and with at least half the noise volume.