I build computers for friends/family/friendsoffriends. . .i usually do one about every two weeks. I've built computers with ultra-power-everything in 'em and have never had the need to watercool. Were I to overclock 'em, I'd probably need to switch over (I NEVER overclock a computer i build for someone else - - - I try to avoid having to be tech support if possible for my computers

If you're not overclocking, just go with fans.
Or, if fans aren't working for you, try a fridge case instead. You can get 'em for $150 or so. . .they're basically a case built into a refrigerator.