Its going to be long winded but please stay with me....
I bought a 360mm AIO for my 5800X knowing they were hot but not actually understanding why, because tech journalists didn't explain it, still haven't.
Normally heat is related to power consumption and be that as it may you just get bigger cooling to deal with it, simple.
The problem with Zen 3 is not power consumption, they are actually very efficient, the problem relates to the fact that they are not a monolithic die, a monolithic die has the hottest part of the CPU attached to a lot of other stuff that on its own does not get hot, so the cold part of the die acts like a heat sync to the hot part, the die is also much larger.
With Zen 3 the hot part is on its own, and its tiny, about the size of your little finger nail, so you have a lot of concentrated heat in a tiny area and any cooler will struggle to remove that heat.
My cooler, cited by Steve Burk, Gamers Nexus, as one of if not the best AIO you can get, certainly when he tested it it topped the charts, out of the box my CPU runs at 90c in Cinebench, i have tweaked it, Zen 3 has some good options for that and i have managed to get it running about 200Mhz higher than stock while at the same time reducing temps to 80c in Cinebench.
This is something you have to accept as the norm, at least with the 5800X, it is the hottest of them all.
As for noise, well it hardly makes any difference to temperatures if i run my fans idle or full speed because the cooler does not get any heat soaking, the water temperature is the same no matter what speed the fans are at, the reason is power is a form of energy and energy being used is converted in to another form of energy, heat, and the 5800X uses barley any, around 110 watts which is nothing for a large cooler like mine.
Had i known what i know now i would have bough a 240 AIO, or maybe a half decent tower cooler, because it doesn't really matter, the chip will run at the same temperatures if you're running the fan on a £45 tower cooler at low RPM or fans at full speed on a £200 AIO.
That's the 5800X, the 5900X is a different beast, it has the same power consumption as the 5800X, but that power consumption is spread across two 6 core dies, so while the 5800X has 110 watts in one 8 core die the 5900X has 55 watts in two 6 core dies and with that runs much cooler.