In short, no
Liquid cooling is still mainly for bragging rights. Getting those extra MHz from hardware and pushing for extra benchmark points.
Will you need something aftermarket to cool your system? Absolutely.
Of course keeping temperatures as low as possible is always a thing we strive for, but you have to weigh up the costs and risks to the performance benefits.
Pumps, radiators, reservoirs, heat sinks, fans, tubing and coolant add large amounts to a build's cost.
Even All-in-one's are quite pricey (and can cause problems, boil-off, pump fail's etc).
Another downside with water cooling is that it is difficult to tell that anything has failed. They can operate near silently and leaks can go undetected until something blows up.
This is not to say they are less reliable than fan-cooled systems but at least you know if your loud fans have stopped working and there's very little chance of them taking anything else out with them if you are around monitoring.
Basically I would get a beefy heat-sink with at least a 120mm fan, something like a Noctua or Zalman (I am not affiliated) and then an intake and an exhaust to keep cool air moving. RAM cooling is rarely necessary but solutions are available from companies such as Corsair.
Get quality assured names with plenty of reviews. This PC sounds fairly mission critical so invest wisely to keep it running.