I have built a couple computers with the aio liquid cooling systems. While not over impressed with the results compared to custom water cooling setups. I have yet to see one fail.
And as far as liquid spills go I would not be too concerned with the aio systems. They seem to be built fairly well.
A custom water setup will set you back considerably more, but will perform better, and you also have control over the fluid inside the loop. I have had 2 leaks in past computers with my water cooling, both times gotten the mainboard and gfx card wet. Set them out to dry 2 days, plugged everything back in and both those boards are still working 3 years later. I do run distilled water in my loop though.