Like 7800X3D, I think the Thermalright Peerless Assassin 120 SE is a top choice.

There is no need for AIO Cooler for 9800X3D. Just get Thermalright Peerless Assassin or Phantom Spirit.

Honestly been really happy with how beefy air coolers handle the 9800X3D. If you want something that basically lasts forever with zero pump failure anxiety, these work well:

• Noctua NH-D15 G2 LBC is great because the Low Base Concavity is designed specifically for the flat AM5 heatspreaders.
• be quiet! Dark Rock Pro 5 for a super high 270W TDP rating while staying virtually silent. Quick tip... make sure you use the offset mounting position if the cooler supports it. Since the core complex is at the bottom of the chip, centering the heat pipes there makes a measurable difference in peak temps. No complaints at all with this setup.

ARCTIC Liquid Freezer III 360, just under $100.

The Peerless Assassin CPU cooler delivers performance comparable to 240mm and sometimes even 280mm AIO liquid coolers, making it a perfectly reasonable choice for high-end cooling needs.

If you really want an AIO instead of air cooler, just get the ARCTIC Liquid Freezer III 360.

Air cooler is enough for 9800X3D.

Thermalright Peerless Assassin 120 SE.

Just get an air cooler such as Thermalright Peerless Assassin 120 SE.

Get a 240 AIO.

Thermalright Peerless Assassin.