9800X3D Cooling - Air or AIO

Upgrading my build and I'm curious if a 360mm AIO is a waste of budget for a 9800X3D build. My understanding is that it runs slightly cooler than the 7800X3D because they moved the 3D-Vcache below the die which makes it easier to disperse heat.

Looking to build in the Lancool 216 which has great airflow from my research. But is an $100+ lian li or arctic AIO a waste of money when I can get $45 thermalright tower cooler? My pc sits in the loft of my apartment which is often quite a bit warmer than the rest of my apartment in all seasons.