I acknowledge that you are right, and my system is "different"
90% of the time a heatsink will do the job for most cooling tasks....... as long a there is some airflow........
My PC is in storage atm so I'm relegated to the humility of having to use a laptop
I did however use a
"Normal Rad & Fan" 
for a while before moving, as I had to disconnect from the underground tank.......
I made all the water-blocks in the system & although I have a proper mill now, (its still an entry level model imo), you can get by with very basic tools if need be. Have a look a the build projects on my site as most were made with hand tools or a horrid drill press and x-y table.
A lot of it comes down to dedication and time, not my creation, but if you haven't seen this yet it shows just what can be done with limited tooling..... (pic is link and read my post in the thread)
