Question Ryzen Stock or Hyper 212x or CM MasterLiquid Lite 240?

[Suiluj]

So, I'm going to buy a new PC once Zen 2 is released, and I want to hear your opinions about which CPU cooler I should get.
(Sorry if this list is a bit hard to read )

CPU: Ryzen 5 3600
Case: Fractal Design Meshify C Mini (mAtx)

Coolers:
1=Ryzen stock (0€)
2=Cooler Master Hyper 212x (36,90€ + 8€ AM4 Kit = 44,90€)
3=Cooler Master MasterLiquid Lite 240 (59,90€)
4=Cooler Master MasterLiquid ML240L RGB (79,00€)

Why I want it:

1. It's free
2. Quieter and cooler than stock
3. Looks cooler than 212x
4. Looks cooler than Lite 240

Questions:

1. Is the stock cooler good enough so that the CPU lasts a long time, and how loud is it?
2. How much does it block the RAM? (I might get Trident Z:s)
3. Is it much better than 212x/aircoolers in temps, does the pump make noticeable noise, and what are the chances of it failing?
4. Do you think the RGB is worth it?

Also don't recommend other AIO coolers that cost more. The price is also a big factor for me.

 

[CountMike]

Can't comment on stock cooler for 3600(x) as they are not out yet but stock cooler for 2600x is fine if not overclocking and 3600 is supposed to have lower TDP.
So, what's the hurry, you can always use factory default cooler and see how satisfied you are with it.