I just don't think my specs require me to need it quite yet. Maybe when I upgrade my CPU and GPU I'll do it. I just don't want to have yet another AIO sitting on a shelf. If I was to go with a custom loop, that'd mean I'd have 3 different AIOs I'm not using, and I'll have to go through the process of selling them (which I'd rather not do lol).
Plus, custom loops are expensive, like holy shit my bank account had a heart attack when it saw the prices of a GPU waterblock, I think I can wait a while... but if I sell all my AIOs I could pay for the loop... damnit I hate you all