This is just my personal opinion. I've seen where aio water coolers have gone out and ruined a gpu and motherboard possibly. So in my opinion, stick with air. At least with air, if a fan stops spinning, you can shut down and replace the fan.
The situation above was a gentleman that had a cyberpower pc, and it developed power supply issues. Plus apparently the aio started leaking. Suffice to say that between the power supply and water leaking onto the motherboard/gpu, the system was in a bad way. Ended up rebulding that box with new cpu, new board, new gpu, and new psu. Used a Hyper 212 evo instead of water cooling. Haven't had a call about that system since. That's been 3-4 years ago now.