I use mine with a tower air cooler and two 140mm fans. I just game and use Word though, but my temps stay frosty cool and it’s honestly pretty efficient in my usage.
I did go into the bios (MSI) and change the preset from Water Cooled to Tower Cooled which uses the stock intel power limits vs like 2000w or some craziness.
I had stuttering with a 12400 and a 4070 that went away completely when I popped in a 12900K.