Well putting 1/4 anything in your system will kill your flowrate. So if you do go with inline and already have 1/4 inch blocks, I'd put the T after the water block. That way it splits the 3/8 into two 1/4 inch lines running in parallel. Each line would get half the flow, but I think it will be plenty. With a modest sink nearly any modern chipset or GPU can be cooled passively, so I think you would be fine.
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