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Intel's IPC is largely unchanged since 6th gen, while AMD's IPC has been increasing by close to 10% if not more per generation, and they're currently on an even playing field with Intel and about to make another big leap in IPC, so Intel's high clock speeds won't save them for the lower and mid range chips. You could get a Ryzen 5 3600 for cheaper than it is right now, and that's a 6 core CPU that'll make you happier for longer, or you could get the 4600 when it releases later this year and have an even better 6 core CPU.
What's more is you'd have to buy a cheap garbage Intel motherboard to not spend more than what it would cost to get a decent B450 or B550 motherboard for Ryzen 4000, both of which are better chipsets than the locked chipsets that Intel uses as an excuse for budget users. (No, seriously, Intel's B and H series chipsets are crap)
To answer your question though, no. It would be a waste to get a good liquid cooler for an i3 of any caliber, because 4 cores and 8 threads really aren't going to generate as much heat as the 10 core 20 thread i9, and you can't even overclock an i3-10100 anyway, so you only need a half decent air cooler like the CM Hyper 212 EVO or Cryorig H7.
If you must buy now then go with maybe a Ryzen 3600 or better, B550 Motherboard and 2x 8gb or 2x 16gb ram, 3200
In any case, should you want an AIO-LC then an EVGA CLC 280mm 113 cfm AIO liquid cooler (for around $115) would be plenty unless going with Intel 10th gen i7/i9 or Ryzen-9 class of CPU. Just be sure to buy a decent Case that would allow for 280mm AIO otherwise look at a decent air cooler. Hyper212 EVO is fine for cpus such as i3 or Ryzen up to 3700X. For a higher end cpu, BeQuiet Dark Rock Pro 4
I would avoid Intel 10th gen because even with a lower end i3 or i5 you pretty much need a Z490 board for them to perform at their peak.
get a better cpu anyway
I checked out this from tom's hardware, it had a compared the chipsets, It seams like the 490 is mainly for dual vid cards and overclocking, unless i'm missing something. (it did mention that they had better USB ports, but seeing i don't use those outside of removable storage on occasion i'm not sure that matters.
Is there another reason that the 490 is better than the 460? I also did notice that it will be PCI-E 4.0 as well, but seeing that is not even a thing that is used yet. No clue when that will become an issue.
https://www.tomshardware.com/news/asrocks-intel-h470-b460-h410-motherboard-10th-gen-comet-lake-cpus
Sounds like the 460+i3 should be a nice budget combo for me. (These are not the boards i was looking into, just what the article stated.) But feel free to add more info.. More info is always good. :)
Heck at 65W TDP you can just passively cool the thing.
or tx3/t4 are around $15-25 and overkill for it
So now you have me thinking, perhaps it would be better to spend a little more on the MB and go with the z490 chipset, verse the more budget minded 460H
if you go the ryzen route, dont bother trying to oc yourself, just put a good cooler on it and let it boost to what it can