maybe I am missing something here
It's that some folks automatically translate high operating temperature or averages directly to the heat being released. Power use becomes heat, and that heat is going somewhere. Energy changes form - it doesn't just vanish.
A question(s) that should be thrown at said folks is: Which is responsible for heating up your case ambient - and ultimately the room - faster, and makes summer time harder to deal with [assuming constant temperature and power values, which aren't possible in practice]?
Blender + Unigine Heaven/Superposition
Ryzen 7950X at 95C and 235w
RTX 3090Ti at 75C and 500w
Games
12900K at 70C and 90w
RX 6950XT at 80C and 300w
Sitting at the desktop doing much of nothing
12700K at 30C and 55w
RTX 3090 at 30-50C(fan stop on/off) and 15w
[Power values were taken from TechPowerUp reviews and gpu vbios archive. Some rounding was applied.]
If they didn't answer with 2, 2, 1, or 2, 2, 'too low to care'...
¯\
(ツ)/¯
Here's another one: If they were using a gpu AIO instead of a cpu one, where would they install it?
At the front? That's really not much different from what an air cooled model does.
Turn it back around to the habit of top exhausting cpu AIOs, and... they're in a similar place as cpu tower air coolers, save for the larger volume of fluid inside.
AIOs tend to have faster and louder stock fans than air coolers, and once the 2 are noise normalized to user comfort(few run their fans at 100%), the gap between them shrinks, especially with the smaller models like the common 240mm.
As long as folks aren't trapping heat inside the PC, I shouldn't care too much...