GeeCoolGuest
GeeCoolFor the 9900X3D, a high-end tower cooler is enough for gaming; sustained CPU rendering, unlocked power, or restricted case airflow calls for a larger dual tower or 240/280-class AIO, with VRM and case airflow handled.
Size for sustained power, noise goals, and case compatibility. The X3D suffix can't produce a temperature; whether liquid cooling is needed follows your actual load, not folklore about X3D running hot.