I ditched water cooling with my GPU swap.
While I really enjoyed the near silence of many slow fans I needed a pump and a new water block which would have added £400 on top of the £1k for a 4080 in Aug 23.
I switched to a 280 AIO and the oversize cooler on the card is actually pretty quiet.
I only really game on that PC now, it's effectively a steam box / xbox so I'm usually wearing headphones or steaming to the TV, not that it makes a lot of noise. with a 5800X 3D I don't need to run the AIO fans any harder than the WC loop.
For day to to day I'm using a Linux mini PC which is silent unless I try to game on it. This cheap mini is probably 70% of my usage now so that replaces the idle wine of the tower.
The noisiest thing is my work laptop, Lenovo 6 core T14s.... fan on that is always making a racket, probably due to all the corporate spyware tracking my every blink and keystroke.
These days, I don't have the time for overclocking, both CPU and GPU are undervolted.
For me, PC parts have become expensive to the point where I can'tr justify the cost of WC and most GPU now ship with huge coolers which are good enough acoustically.
Still like to see a nice clean WC build, but more as a piece of art.