sddx has some good points.
A liquid cooler may be appropriate in cases where there is a height limitation.
Most air coolers will be perhaps 160mm tall.
A normal tower type case will be 7" wide or more, allowing for a tall cooler.
In a small form factor case, a liquid cooler may be the best option.
Even then, there are some good downdraft type air coolers that work reasonably well if the case has decent airflow.
As to the ram height, I think that is a non issue.
Tall heat spreaders are mostly marketing.
They have a place for competitive ram overclockers.
Past that, low profile, or even no ram spreaders perform equally well.
Actually, low profile often sells for less than the same brand and performance spec with high spreaders.
If your motherboard is mounted vertically, as most are in a tower case, then the weight may be an issue.
A motherboard secured by all the mounting screws will usually be rigid enough.
Some cases, like the Silverstone TJ08E even have cooler supports.
Most of the time, a simple $30 cooler like the cm hyper212 will do the job without any of these drawbacks.
You might lose one or two OC multipliers.
But, it will save you money, be lightweight, and handle tall ram.