The thing is my room gets very dusty so I’m not sure but I wasn’t aware of if an aio fails then the cpu will get fried, is that a likely thing to happen
If your CPU hits a dangerous temperature your PC will automatically shut down.
I don't know why your room is particularly dusty, however that will result in similar issues with both AIO and traditional air cooling. An AIO is not passive, it still requires fans, warm water isn't cooling a hot CPU. You're going to need to clean the PC frequently regardless given what you said.
The Arctic Freezer 3 is a fantastic AIO if you go that route, however be aware that it uses slightly thicker radiators than traditional AIO's. In terms of cooling that's a positive, but it also means it might not actually fit into your case, so you'll need to research that.
Personally I'd go for air cooling unless you're wanting the aesthetics of an AIO, the 9800X3D, especially if you only really game, is not going to require more than that.
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