I bought my current gaming desktop off a friend as he didn't need it anymore when I was looking for an upgrade. It had an AIO cooler. The pump made so much noise and it seemed like I had to fiddle with fan profiles forever to get it to have sane cooling. I swapped it for a $30 CoolerMaster Hyper 212 and a Noctua case fan. It cools well enough for the CPU to stay above stock speeds pretty much all the time and is much quieter than the AIO cooler was. I'm not suggesting this CPU cooler is the best one out there, but just pointing out its not like one needs to spend $100+ on a cooler to get pretty good performance.

The GPU still gets kind of loud during intense graphics gaming sessions but when I'm not gaming the GPU fans often aren't even spinning.