Long term the H100 will probably last 2-3 years. The pump will eventually fail or not moving water fast enough. Being a sealed system there is no way to top up or replace coolant, and there is coolant loss even in a sealed system .. as well as it has a life expectancy. The refurbs have a 1 year warranty here only because that is the law, and no warranty for damage to other components
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£40 for cooler and anther £20-25 for fans and you are in price rage of top air coolers like
Silver Arrow IB-E Extreme £64.20 at Scan. SA IB-E performs as good / slightly better then SA SB-E but has offset for PCI-e socket .
TRUE Spirit 140 Power is £33.77 .. add another £6.95 for a TY-143, maybe another £6.95 for one for rear exhaust. TS140P will overlap PCI-e socket, but is only 53mm center CPU to front of fan so should clear RAM slots .. and a few degrees warmer than SA IB-E with same fan.
Cryorig R1 Ultimate (67mm RAM clearance) and R1 Universal (49mm RAM clearance) are
£47.72 + £3.27 post from Telco Tec (no idea if they are decent company) and Amazon UK for
£70.23
I class the R1 Ultimate as one of top 2 or 3 coolers right now. I can supply drawings with measurements if you need them.
Forgive me if you feel pushed toward air, but the data shows it is better then all but a very few CLC and definitely more dependable. What case do you have?