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Quick Answer
A quality air cooler is the better choice for the 7800X3D. This CPU has a 120W TDP and runs cool at 70-90W during gaming. A $55 dual-tower air cooler matches a $140+ 240mm AIO in cooling performance while being quieter, more reliable, and $85 cheaper.
All of these keep the 7800X3D well below its 95C thermal limit. The 7C difference between a $55 air cooler and $180 AIO provides zero performance benefit.
Our Verdict
Air cooling is the smart choice for the 7800X3D. Save $85-125 and get a quality dual-tower air cooler. The CPU simply does not generate enough heat to justify an AIO. Spend the savings on a better GPU or SSD.