True, but if you noticed it seems like all 3rd generation processors have the same 95C operating limit. It would be odd for this specific processors to have a higher or lower Max Temp. which is why I mentioned it.
So far I haven't seen any 3rd generation processor with less than 95C max temp. I might be wrong. but that is my impression.
Whereas 2nd Generation processors do have different max temps.
I was wrong, I will follow AMD's recommendation, and I have y'all to thank!
I'm sorry, I apologize to y'all and to AMD.
I dug into more comparison reviews, and I see that the best AIOs outperform the Noctua NH-D15.
I wouldn't be surprised if I could find an AIO on https://www.amd.com/en/processors/3950x-thermal-solutions that doesn't, but I'll not bother.
This article mentions that Air can be as effective as Liquid but Liquid is more efficient at removing heat:
3rd generation processors are much more different than 2nd generation processors and earlier. They heat up differently due to the way the chips are aligned inside the processor case.
See this previous AMD Thread about a User using a Noctua Air Cooler having high temps on a 3rd generation processor: https://community.amd.com/thread/244048 . Some of the Users explains the difference in the 3rd generation processors in how they heat up.
In your case, I would follow AMD recommendation in getting a Liquid cooler since they are more efficient at removing heat than air. Actually this is the first time that I see that AMD recommends solely liquid CPU Coolers for one of its processors.
I just built a computer cooling a 3950X with a NH-D15 Chromax Black. With PBO on I hit a max of 66C while live streaming gameplay so the gameplay and encoding for the stream are all on the processor. I stream mostly World of Tanks, which is pretty CPU demanding. Keep in mind when you're using an air cooler you need a case that has good airflow. I have my setup in a Cooler Master Mastercase H500M. I've seen benchmarks showing the NH-D15 on par and in some cases a little better than 280MM AIO's. I have no complaints.