I am looking to upgrade soon, and I am looking at water cooling for my AMD CPU. This is what I am looking at currently: https://www.wootware.co.za/fractal-design-fd-wcu-celsius-s36-bk-celsius-s36-360mm-liquid-cpu-cooler.html - However, any recommendations are welcome. Do water cooling systems still need replacing every so often? Are they safe to use? Am I in some way insured if they were to indeed leak?