You are unsure as to the benefits/drawbacks of a simple set up yet you are advising someone in another thread on an advanced custom project?
Walk first young one
I rarely get stroppy but if you want to advise folks, know what you are doing first.
The EX240 stomps the H100,
better pump ,better flow, better rad, and assuming you use Distilled water and a coil better coolant,
in addition to that, you get the experience of designing, installing, bleeding and testing the loop yourself, all invaluable skills in this game,
If you want in the wetclub, do yourself the best favour you can and get the kit,
theres also a section in the sticky covering all in one coolers but check the whole thing out, theres a lot in there for all of us