Well no... air coolers can't really cope with top end cpus...
What's your definition of a top-end CPU? Ryzen X3D CPUs run just fine with air coolers. In fact, my own CPU is an R7-5800X3D which uses more power (and thus generates more heat) than an R7-7800X3D. I would definitely consider the R7-5800X3D and 7800X3D to be top-end gaming CPUs.
so unless you have a potato and don't game you'll need an aio...
Why do people have to say such ludicrous things? Now I have to show you not only that you're wrong, but just how wrong you really are:
Here are the specs of my "Potato PC that doesn't game" (it's in my signature too):
CPU: AMD Ryzen 7 5800X3D
CPU Cooler: AMD Wraith Prism Air Cooler
RAM: 64GB Team T-Force Vulcan-Z DDR4-3600 (4×16GB)
Motherboard: ASRock X570 Pro4
Video Card: ASRock Radeon RX 7900 XTX Phantom Gaming 24GB
PSU: EVGA 1000 G2 Supernova 1kW 80+Gold-Certified
System SSD: WD Black SN770 PCIe4 NVMe
Gaming SSDs: 2×2TB Team MP33 PCIe3 NVMe, 1×1TB WD Blue SN570 PCIe3 NVMe
HDD Space: 2×8TB WD SATA, 1×4TB WD SATA, 1×5TB Seagate USB3.0 (18TB WD on order)
I don't know what you consider to be a "potato system" but in most people's book, my rig is considered to be a high-end gaming monster. I don't know where you got this idea that a CPU can't game without liquid cooling but it's as I had said, unless you have an Intel 13/14th-gen i7 or i9 (or an old FX-9590), air cooling works just fine and always has. I'd even be willing to bet that if you're just gaming, an air cooler would probably be usable on those Intel CPUs as well.