system
A chat on subreddit /r/pcmasterrace
human
Air cooling is more reliable.  Simple as that.    
My PC is silent, windowless, and out of sight out of mind.    
I don't need exotic cooling, nor do I want to be paranoid of leaks, flushing, or gunk buildup in the loop.  Not to mention the biggest factor, the pump, is another additional failure point.  


I'm sure for some people it's worth it.    
To me?  Nah, nowhere close.  Noctua u14s or d15 is my go to.
gpt
I would have thought liquid cooling would be a closed loop thus no risk of gunk