I will use default bios, auto boost that boosts to 4.0+- all cores as needed. I wont OC or anything. So I will check those options as u mentioned will see how it goes.
Yeah, any decent tower cooler should do just fine then, for performance I'd go with the best, biggest and baddest Noctua you can afford. If you want the looks and a more quiet profile I'd go with BeQuiet! Dark Rock series. And if getting a DeepCool Captain 240 cheap isn't an option, sometimes theres a sale on a Corsair H100, beware though, I recall the fans being loud and less efficient compared to their newer units, which cost a bit more. Same with CM MasterLiquid ML240L, while it is a decent unit, the stock fans aren't too good on the quietness front. Another thing I want to mention, I don't think the H100 has AM4 brackets... which the Captain 240 does. (It was one of the first AIO's to have AM4 brackets on Zen launch)
I've also seen some Fractal Design S24's for a good price, and I don't know if those have AM4 brackets.
Sometimes you can get away by buying a really dirt cheap AIO and just replacing the crappy stock fans does it a favor, but you have to take into account how much extra you will be paying and if you can sell or re-use the stock fans. And quality-wise reviews are mostly on point about what you are getting, you definitely don't want the pump failing within 3 years, most conservative AIO blocks seem to run at a speed that is comfortable for them.
There used to be a time where me and their grandma were worried about an AIO leaking. Honestly I was willing to take the risk because a good company will replace everything that is damaged nowadays and have decent QA to spot problem units so those never reach the market, its never a guarantee though, such is life. The pump quality has gotten better since the old days, you don't have to spend £100+ for something good. (Though I think nobody would mind an NZXT X62 or the like) But if you want the super-duper safe way that will last decades, air coolers are the way to go, plus the big ones usually work better than most 240mm AIOs according to TPU's own reviews.
Whichever you pick, you can't really go wrong. It will come down to price, performance and personal preference.