I hope you're correct. I'm in the middle of building a replacement PC (it's been like 10 years) and went with a ~80 USD air cooler that's got two fans and a bunch of heat pipes. The case is also a consideration, I selected one that can hold a BUNCH of fans and intend to have them all always push at least a little air through, more as it gets warmer.
In my case two fans on the CPU, pointing towards the rear exhaust fan to suck, and 6 fans 120mm or larger pushing air through otherwise, will _hopefully_ remain sufficient.
For most workloads it's probably fine. If you're doing any CPU heavy work it might thermally limit you if the cooler can't keep up. But that should rarely be an issue for most people.