For Tim I did 3 peas, one in the center and 1 over/very near the 2 core dies. It's been mentioned but its probably not smart to use the grain in the center approach on these CPU's the parts that get hot are the 2 core dies and a grain in the center might not spread all the way out to cover the dies.
The noctua paste I bought actually specifically mentioned that for bigger CPUs (specifically mentioning ryzen) one should apply 4 small dots in the corners and a bigger one in the middle. And that is what I did. With stock settings (except memory) I see temps around 73°C in cinebench (good old NH-D14). So that seems to work fine.
I will agree about memory clearance, but other than that big tower heatsink all the way.
Memory clearance isn't a big deal if you don't like RGB anyway. Hell the cheapest micron-e die kits (ballistix-sport) have a very small heat sink. I would say there is almost an inch of clearance.
Tower heatsinks also will last bascially as long as the company makes new mounting kits. The fans can be replaced. My NH-D14 was now probably 7-8 years old but still I could get a new AM4 kit for $15 (could have gotten it for free but then you need to first buy the CPU, send in a copy of the receipt and wait several weeks.). Anyway I will very likely keep this rig another 5+ years. I Highly doubt any AIO pump lasts that long. Note: Original fans still work on mine.
The bigger air coolers are monster sized and a pain in the ass to work around, especially if you haven't got rail thin arms and tiny hands.
Agree. That is the main downside of these coolers. If you tinker inside your rig very often, then an AIO is the better choice. Once the Tower is mounted it get's annoying to do anything without removing it. (EDIT: and don't put the case on the floor, that probably also a big part of staying dust free.)
And as a side note: Always get a case with dust filters or add them yourself. Used that rig for 7+ years and never cleaned the CPU heatsink. I did now for new build but there was barley any dust in there.