If you’re planning to upgrade to a higher-end CPU later, and if your case and RAM dimensions allow it, I wonder if it would make sense to get a CPU cooler with two fin stacks. That way, you wouldn’t have to replace it when upgrade time comes.
(AMD recommends liquid cooling for some of their recent CPUs, but I did a test that showed a dual-tower Noctua air cooler performing roughly as well as an Arctic 420mm liquid cooler on a 7950X3D, so that should be sufficient for any of their current desktop models.)
If price is the limiting factor, maybe consider one of the newer dual-tower coolers from other brands that have been getting good reviews, and replace the included fans with Noctua fans.