Are you planning to overclock or overvolt your system? If not, then based on your own criteria the proper answer is air cooling. Certainly there's nothing wrong with water cooling, but for stock systems the only real justifications include "something new to try", "geek factor", etc. Top notch heat sinks will keep your processor quite happy and stable without producing any more noise than a fan blowing on a radiator.
As for "suggestions", an inside joke would be, "Choose a different user name". LOLOL.
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