Full WC is too much of a pain, Also had a full loop around the GTX 900/1000 days but never again, Too much money for too little gain with too much risk.
To me, water cooling is half the fun of building and getting it right with low temps and a quiet system is very rewarding. Love having my 5090 (Gigabyte WB) run in the late 30's/early 40's max for the majority of my gaming during the summer so far (in a room that often reaches 30C with the PC not even on).
Sure, it's a complete money pit and not worth it for most people, but I would feel quite lost and a bit bored without it...
