I would not ever call you stupid for trying to learn or expand your skillset. It would be counterproductive to call somebody stupid and then try to teach them something. There are plenty of people out there who are stupid. You are not one, because you CAME HERE instead of thinking to just do whatever without knowing what you are doing. Never fear, I will not call you stupid and do not think that you are.
Liquid cooling is another story and I am not a big fan, although it certainly has it's place and for some systems makes a lot of sense. Just for overclocking purposes alone, maybe not so much. Many CPU air coolers perform just as well as the majority of AIO closed loop coolers. You only really see much benefit from liquid cooling in the area of aesthetics OR when you use a large cooler that is 240mm or larger. Preferably, if overclocking, 280mm or larger.
For Ryzen, you're probably not going to be able to achieve a big enough overclock to make that worth it, at least not for thermal purposes. I'd stick with a good air cooler unless you simply want the AIO for looks as well.
You could overclock that CPU, to whatever degree you are able, using something like this:
PCPartPicker part list /
Price breakdown by merchant
CPU Cooler: Thermalright - Macho Rev.B 73.6 CFM CPU Cooler ($49.90 @ Amazon)
Total: $49.90
Prices include shipping, taxes, and discounts when available
Generated by PCPartPicker 2018-12-15 17:06 EST-0500
Or this, which is just a bit better:
PCPartPicker part list /
Price breakdown by merchant
CPU Cooler: Noctua - NH-U14S 82.52 CFM CPU Cooler ($63.69 @ Newegg)
Total: $63.69
Prices include shipping, taxes, and discounts when available
Generated by PCPartPicker 2018-12-15 17:06 EST-0500
Both will do the job on that CPU, easily.