For clarity if you want silence air cooling is the only option - if it has a pump it's not silent. That said plenty of builds can't be cooled sufficiently, especially at full CPU / GPU load, with silent air cooling options at which point water cooling could definitely offer better noise normalized "quiet" cooling.
no offence, but thats simply not true - modern pumps are (when properly placed/configured) unhearable.
my intended use was and is a silent setup with as much power as possible. therefore i went for the dual-rad setup with the 13900K and 4090 running stock.
atm its just built on the table, but in idle the system just makes no noise - you can adjust pump speed also in fan profiles - although it stands directly besides me on the table i can barely hear anything in idle (idle means to me surfing the web, listening to music, watching youtube, streaming movies, coding, ...)
under "medium" load (playing diablo iv beta - maxed out settings at 5120x1440) i could occasionally hear the fans ramp up a bit.
under "heavy" load (Cinebench R23 AND 3DMark TimeSpy Extreme parallel in loop) you can definetly hear the system - but its still quieter than my Titan RTX with its stock fans under load.
edit: @TheClash: i've linked the progress of my build in the signature - think that's what you're also going for :-)