no one needs water cooling, but air cooling is inadequate for the job, so what to do, add water anyway.
but seriously water cooling is for more than over clocking my kids have a unit that is 10 years old for gaming it is water cooled and it runs faster than the system I am on now, the one i am on now is air cooled and only two years old. I hope this answers your questions about water cooling, water cooling will extend the life of your components and they will run at optimum performance for that hardware.