If you like the looks of water cooling that's always an option. It's unlikely but possible it could leak, anything with liquid inside it can leak when it comes to aio's. What damage it may do would depend on how much got wet and whether or not it shorts anything.
You just have to make sure to install it properly, one of the more common mistakes is connecting the cooling pump to a variable fan speed controlled hub (such as cpu_fan). The pump speed should remain constant and only the cooling fans on the radiator should fluctuate in speed as cooling needs increase or decrease.
Here's a vid someone posted roughly a year ago where they had multiple aio's leak on them.
https://www.youtube.com/watch?v=63TijyKjs34
Another from around a year ago.
http://www.techpowerup.com/forums/threads/raijintek-triton-dont-buy-it-if-u-dont-wanna-kill-ur-graphics-card.209438/
Is it frequent? No. Is it going to suck if it happens to you? More than likely. The three choices you listed are kind of worlds apart in cooling, either upper end water cooling or budget air cooling. There are several coolers in between though not sure what choices are available to you (what region of the world you're in).
It would be foolish to say that aio's have a 'leaking problem' since many don't. They can be a bit more fiddly though between initial setup, making sure to get air bubbles out if any happen to get stuck somewhere around the pump inside (may need to cycle the cooler or gently shake the radiator/hoses to work air up to the top away from the pump), pumps tend to be on the lower quality side and can fail. They're a wear item and to keep overall costs down they have to cut corners somewhere. Figuring a higher quality pump for a custom diy cooling loop can cost 50-60%+ the cost of an aio kit.
Pros and cons to both, air coolers are usually easier to set up (no real software to mess with), can't leak and have few moving parts (only the fans). There's really nothing to fail. They can give similar performance for less cost than aio coolers. Looks are subjective, since you prefer aio cooler appearances that's a con for air coolers.
Water coolers can usually handle slightly hotter load temps, may help direct the cpu heat straight out of the case. In your case looks are a plus. Cons, more moving parts to fail, sometimes they can be a little loud (depending on the fans), low risk (but potential) for leaking. Slightly higher cost. Unless it's an expandable kit or something the pump is usually built in so if it fails out of warranty you have to buy a whole new cooler vs replacing just a fan.
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