GPU loop is 10x more important than CPU loop, trust me on that. It always makes me laugh when people drop a nut on water cooling their CPU, and leave the important part on air.
Any Ryzen CPU can quite easily "top out" on air cooling (apart from TR but that's not a usual thing to use) and Intel can get to 4.4ghz easy on a decent air cooler or AIO.
I got 250mhz extra 24/7 boost out of my Titan XP slapping it under water. IIRC I spent about £300 cooling it, but it performs like an absolute champ and I never have to worry about it because even during the heat wave it never went over 50c.