Air Cooler is your problem IMO.
Get a 360 AIO if you can afford one?
There’s some affordable deals on eBay at the moment especially if your an eBay plus member. I just bought a Cougar Helo 360 and with my plus discount only cost me $165.00 from Computer Alliance. Plus I got free two day delivery.
As others have said apart from the LianLi option. Arctic Liquid Freezers are your best bet. The radiators themselves are thicker than the others which means they cool better.
Plus the main pump has a little fan on it to keep the VRM’s cooler which in turn extends the life of your motherboard.
Been using them for years.
Although in saying that. I am currently doing an upgrade to a 13600K and MSI Tomahawk motherboard.
But on eBay last week I saw a Cougar Helo 360 which was $209.00 but with my eBay Plus membership only cost me $160.00 and I got free two day delivery. So I thought I might give this a go after reading the reviews on it. Plus you can easily refill the coolant and it actually comes with a bottle of coolant included.
Plus I bought some Cougar Vortex fans to replace the ones that come with it.