Your 16 core Ryzen 9 5950x has a CPU Cooler ratings of 105 Watts TDP and a Maximum Operating Temperature of 90C.
From what I have read, the latest AIO and AIR CPU Coolers offers similar cooling for a processor.
But for overclocking AIO is better suited than AIR even though it will be more expensive and have higher maintenance.
This Intel Tech site give a very good technical explanation of the difference between AIO and AIR CPU Coolers: https://www.intel.com/content/www/us/en/gaming/resources/cpu-cooler-liquid-cooling-vs-air-cooling.ht...
Temperature Regulation
If you’re serious about overclocking, or plan on undertaking CPU-intensive tasks like rendering video or streaming, liquid cooling might be the best choice.
According to Mark Gallina, liquid cooling more “efficiently distributes heat over more convection surface area (radiator) than pure conduction, allowing for reduced fan speeds (better acoustics) or higher total power.”
In other words, it’s more efficient, and often quieter. If you want the lowest possible temperatures, or if you’re interested in a quieter solution and don’t mind a slightly more complex installation process, liquid cooling is probably the best option.
Air coolers are quite good at relocating heat away from the CPU, but keep in mind that heat is then dispersed into the case. This can raise the ambient temperature of the system overall. Liquid coolers do a better job of relocating that heat outside of the system via the fans on the radiator.