>You really won't run your rig at 500W all the time either.
While this is true, I don't agree with your statement about cooling.
It's very possible to have sustained 500W+ draw while playing a modern game on a 3080/3090. Sometimes you might play games for a few hours with a fairly consistent 500/600W power draw - honestly I think it's cheap and easy to cool this kind of load. A few 140mm fans and a mid-level CPU cooler should be enough.
Yeah... Nearly nobody has a few 140mm fans on their computers. Most people won't have any fan lager than 120mm. Powerful computers usually have a pair of them. Maybe 3 if you count the PSU.
Very few people have computers capable of cooling a constant 500W.