As Brian said above your choices...any of them...will be solid performers.
When it comes to HD cooling it seems the general concensus is that thats not really needed unless you plan on using an extremely warm running (10k) drive or are going specifically for as quiet a setup as possible. Normal air cooling should handle most drives with little or no worries. There are some nice 5-1/4" HD cooling solutions out there based on air cooling and pricewise they arent very much. I particularly like the ones that act like a large heatsink with a decent fan in front of the unit.
On the chipset once again depending whether you plan to 'clock' or not will probably determine how much cooling your chipset really needs. One fairly easy solution (assuming you arent doing extreme overclocking) is to simply replace the stock heatsink on the motherboard chipset with a higher quality one. You can also have a separate fan specifically detailed to blow over the chipset in case of a low air flow case.
Keep in mind that by adding more blocks you add more restriction to a loop lowering its overall effectiveness. In order to add either/or a chipset block and a HD block you will be adding a fair amount of restriction which will lead to higher GPU and CPU temps. Those two processors are generally the main targets for cooling when it comes to WCing so its probably not worth the additional restriction.
Lastly on the reservoir. This seems largely to be up to each individual person as to their tastes. A T-line leaves a shorter and slightly less restrictive loop while the reservoir makes it easier and faster to bleed the loop. Its pretty much a toss of the coin as to which you prefer.
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