I'm not sure he's "wasting'" money. Building a neat setup is no "waste" indeed. Going Peltier at once would be a mistake. One must build a decent WC setup before considering phase change or TECs...
For the pump the Z is better, watercooling setups are very restrictive. Dual parallel rads sounds better too.
YS Tech fans are noisy as hell - i have 2 of them (currently..) and neighbours are complaining about the noise !
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