Greetings!
Just some food for thought. Whereas, you may not need the AIO for better cooling needs, there have been many (including myself) who have gone with an AIO to cut down on fan noise. There is really not much difference between the capabilities of many AIOs versus a good air cooler for temperature management these days, but the big difference comes in decibels. In my experience, you can run the fans on an AIO slower and still achieve excellent cooling while cutting noise down significantly in a non-overclocked situation.
I have a dual Xeon system, and two air coolers would create a lot of fan/air turbulence noise, but the AIOs I have on them are nearly silent. Even when I am pushing all 32 threads at 100%, I can barely hear the fans and am sitting at like 56 degrees at full load.
To get more specific, the fins on an air cooler demand that the air pass for a longer distance through it compared to a radiator (the AMD is short, but there will be turbulence from air reflecting off of the motherboard)...this creates more turbulence of the air which will have its own decibel reading, but will also "feed back" via pressure to impact the efficiency of the fan (this is increased in push/pull, especially if there is a variance between the speeds of the two fans, which can happen in the fan and not be a result of settings). The air pushed through the radiator has less distance, (and usually resulting in) less pressure required to move it, and less turbulence as a result. These factors can easily effect the needed fan speeds for cooling. Of course, case and other setup parameters can also effect airflow and cooling needs, thus reducing or increasing your airflow capabilities before the fan is even a factor...but in my experience, I have found AOIs to generally be a much quieter option for cooling in a non-overclocked scenario.
I am not recommending that you go out and buy an AIO, I just merely felt that you should be fully aware of some of the minor differences before making an opinion/choice. To use myself for example, I do not need AIOs to cool my system, but I wanted them so that I didn't have to constantly hear my system. As with many things in computer hardware, specs are one thing, but happy long term usability plays a factor as well and is subjectively different for every user. Knowledge of these differences can help us build the perfect system for our individual needs.
Hope this helps!