Opinions on the use of an AOI water cooler?

[Rusheliny]

I'm building my first pc, I did all the research necessary and am pretty confident in my build. I'm not intending to overclock or nothing like that, but I have been thinking about buying an AIO but that im not really sure, here are the points I've considered:
1- I live in the middle of the second biggest Mexican desert (Altar's Great Desert) and every year my city is around 36-41 degrees Celsius, so to keep my child nice and cool it would be nice.
2- The idea of having 4 fans at top speed to cool my system scares me, imagining the noise it would make seems bothering to me
3- Maybe the case that I'm only overthinking about the noise, because realistically I dont know how much noise a full fledge pc makes, I've never experienced by myself so im doubtful
4- My budget its getting really tight, my two real options are using the stock cpu cooler or the AIO but one is obviously a lot more expensivier than the other.
5- The cpu isnt even that powerful or anything, Im going to be rocking a Ryzen 5 5600 and im not overclocking it, its perfect for my budget and for what I've seen its pretty chill
6- If I get an AIO with RGB the pc clearly is going to be faster so thats important

If somebody could please help me figure out if the cost to performance/convenience is worth the stuff, Thanks in advance everyone.

 

[claes]

I’m on the other fence on the airflow vs pressure question; I prefer pressure to overcome heatsinks and filters. They’re typically good for exhaust though where there’s little impedance

 

[candymancan21]

Been watercooling for 24 years.. probly longer than some of you have been alive lol... I always recomend water.. But i prefer custom myself.