Cooler lifespan
AiO (closed loop) water coolers loose coolant through permeation. Over time the amount of coolant drops and with it the performance. At some point there won't be enough coolant in your loop to prevent your pump from sucking in air. It's basically garbage at that point unless you are willing and technically skilled enough for taking it apart and trying to refill it (and getting it sealed afterwards).
Air coolers just work. The only moving thing is the fan and good fans usually work pretty well as long as you keep your system reasonably clean. If too much dust accumulates some might enter the hub and make the hub build up more and more resistance. But too much dust might also block the fins of your cooler OR your radiator so keeping your system reasonably clean is a good idea(depending on the environment and whether you use filtered intakes cleaning it probably from once a year to every 3 month or so would suffice).
In regards to longevity - as long as you don't buy a sleeve bearing you can mount them in every direction without risking a higher rate of wear. The best bearings are fluid dynamic bearings (aka hydrodynamic bearings or hydrostatic bearings) closely followed by ball bearings. Corsair's magnetic bearing is good but the fans overall are not as good as their price tag and the magnetic bearing would make you expect.
In the 120mm range, the best overall choice with money no object would be the Noctua NF-A12x25 (hydrodynamic bearing) and the budget option the Arctic P12 (ball bearing). The Corsair ML120 are overall surprisingly loud considering their bloody magnetic bearing. As pure case fans th Scythe Kaze Flex 1200RPM PWM is also a very solid choice (or again the Arctic P12). If you mount fans behind some restrictive covers, go with tha Arctic or the Noctua.
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