Hear that gen 3 ryzen is a little bit warm (not that gen 2 is chilly). Like the idea of AIO or if you not want to do that would maybe like recommend decent air cooler like the noctuas. Maybe just check see they fix in your case too air coolers can get a little tall.
Yes understand water not for everybody I had the big phobia for long time and now I run the water daily. There are very many very good air cooler noctua makes many. 2 things maybe watch out for is height of cooler will it fit inside your case and some are so big you need check if it will clear your ram. For me I have very tall corsair ram sticks so doubtful mine clean any air cooler. Thinking there probably very good one cost maybe $55-85 range. When I build pc I first look at them but then I look so long at water cooling parts I forget everything. Not a noctua fanboy here there are other real good ones too must look.