Preference is an individual thing but thermodynamics is a science and I started out with same mindset but investigation and testing wound up trumping my original assumptions ... after all we all learned in 8th grade that heat rises. I learned in college, that HVAC kicks convection's tail
.... but I still wasn't sold .... the 6 temp sensors (0.1C accuracy) in the rig, and the ones on the CPU / GPUs changed my mind.....looking back, it all makes sense
23C air coming in from the outside cools 33C water twice as well as 28C air inside the PC. As for raising GPU temps, let's do the math.
A 4790k CPU creates 84 watts peak load at stock, say 135 overclocked. 60% of that will be absorbed by the rad or 81 watts....the other 40% is hot air radiated off the surface area of all the components.
So you have 81 watts of heat being pushed down into your case ... towards a pair of video cards that are pushing maybe 500 - 600 watts with 7xx / R9s or 350 - 400 watts with a pair of 970s .
So we can either cut the performance if our CPU cooling loop by 50% or we can impact our GFX cards by 20% .... or will we ?
Another way to look at it is ...
Do we want 400 - 600 watts of heat going thru our CPU radiator or do we want 80 watts of heat going thru our cards (40 each) ?
Let's assume we have two fans blowing in the front , two from the top and one/two exhausting out rear.... plus what get shoved out the rear grille, our turnover is about 1 complete air change per second. How far does that air travel down from the top before it gets shoved out the rear ? I find from smoke testing and using temp probes, that most of the air from the top radiator goes out thru the rear grille and fan before it ever reaches the top card .... the air from the two front fans goes out mostly from the cards and the rear grille.
Now if you have 2 fans sucking air up and one sucking out to rear..... That puts 2/3 of the 400 watts thru the CPU cooler . Blowing in, we have 3 fans worth of air (4 in - 1 out) going out the rear grille, half of which is above the cards. So how much of that 80 watts actually gets down to the cards before it gets thrown out thru the exhaust fan and rear grille ? Almost none.... the two front fans channel air past the cards and out the rear and the two top fans do the same.