The OE HSFs supplied by AMD work just fine unless you have sustained ambient room temps above 90F. Then you'd want to make sure the case airflow is excellent and consider air-conditioning for your body and PC. Aftermarket HSFs can be quieter and have more thermal capacity but they are not required for CPUs/APUs running at factory set frequencies.
H2O (CLC) style coolers as previously discussed in other threads here, are a poor choice for CPU cooling as they are thermally inefficient, noisy, a poor value compared to an equal performing HSF and they have an inescapable water leak liability that has fried many a PC. Those are the facts on CLCs and the data has been obtained thru control scientific testing at numerous web review sites for your viewing pleasure.
Open loop H2O systems start at ~$195 and go up. They have more thermal capacity and can be quieter than CLCs but they also leak over time and they can fry your PC hardware. This has been documented.
IMO PC enthusiasts should perform due diligence on CPU H2O cooling systems and then buy what makes them happy. They are the ones that must live with the consequences of their purchasing decision. As long as they are aware of the technical deficiencies and liabilities they have no reason to be upset when the CLC fails to live up to the hype because independent scientific testing shows how poorly these units perform compared to a quality HSF cooler that costs less and never leaks damaging coolant to cause an electrical disaster.
The link below shows over 100 HSFs that are better than a Corsair H60 CLC and many of the superior performing HSFs cost half the price of a CLC. It's actually pretty comical to see how easily some people can be duped with water cooling being hyped as superior to a HSF when objective science shows them to be inferior.
Building a reliable PC involves more than just assembling the parts. You need to be able to configure all of the BIOS settings appropriately. This can be quite involved and frustrating as it can require a lot of trial and error with stress testing. It is however often the only means to get a 100% reliable PC.