i would say AIO water cooling is best balance between the two.

I used to be skeptical on using water cooling because I am afraid of leakage which can short the system. So I stay away from water cooling for many years until I have like 5 fans in my system and I do not overclock. Until I needed to look for a solution that create less noise. So I tried AIO water cooling and love it! It is totally silent and performance is great! I still do not recommend DIY water cooling as it is expensive and need a lot of tinkering from the user. AIO water cooling is easy to install and works better than air cooling without the noise.