Fan tech moves slow, the nf-f12 is still top end - and expensive. For really quiet, you might give a top end air heatsink some thought. The best is the nh-d15. It's huge tho.
Water is a more efficient design than air, but more expensive. Given time, AIOs will be quieter and more effective than air. It took Noctua a lot of R&D time+money to get air cooling to where it is now (And Phanteks none to copy them). Of course innovation in the field has to find a way around...