air vs water cooling. are they equal?

So im thinking of upgrading my 12900k to a 9800x3d soon.
by soon i mean summer when 5090's are back in stock. LOL.

so i currently rock a arctic 3 water cooled for my CPU and have zero complaints.
yet its allways a worry that the pump will just die on me.

so i was considering when i go to the 9800x3d to go AIR
I mean its unlikly the metal fin stacks and pipes will go off, and if fans die, its a unclip and replace. simples.

So: Any recommendations for TOP TIER air cooliers? Price really is not a concern, just looking for an air coolier which you know... cools, and does not sound like a jet fighter.
My biggest concern is the noise, as evne on full load, my current cpu coolier is super quiet.

Advice from people who acctualyl know? as i fucking dont.