Cpus have changed, evolved, but the thinking about them for many ppl hasn't.
Back in the day, there weren't any consumer grade cpus with high core counts, you got 2 or 4 cores and that was basically it. So turbo or boost was relatively simple to deal with, you set a voltage and a speed and temps followed suit.
Today's cpus and how the boost works are different. There's not really a set turbo, there's a cpu figured turbo. So if you get 5.2GHz and 75°, the cpu will push it, 5.3GHz or 5.4GHz on some cores, just because it has decided that it's not running over 90°, so therefore it can.
So getting info that your cpu should be averaging 75°-80° is useless. The best thing you can do is provide @ 1.5x to 2x power use worth of cooler capacity. Since the 13700k when pushed to it's limits can hit @ 250w, you should be looking at 360mm or 420mm AIO's unless as said "you'll be leaving performance on the table" because temps will limit boost.
Now you can most definitely run with a NH-D15 or similar 250w+ aircooler and get the same range of temps for less money, but the difference between the two cooling systems will be 100-300 (ish) MHz on multiple cores as the cpu self temp limitations put the brakes on higher turbo boost speeds when using multiple or high core counts.