Alright, the closed loops don't seem to have a point then, if they're just like air but more expensive, I'll probably go with an XSPC loop.
I don't think I'll be cooling much else, not for a while anyway so I'll probably just be going with a 240MM kit, but the radiator can be changed separately if needs be can't it?
Will there be much difference between a 240 and a 280?