If I had to do custom loop or something, I could see just wanting to pay someone to do it. I would still buy the parts though. I still dont trust pre-builts completely. Sure that one above is nice, but notice they only advertise the 4090 and i9(which i9?). But vague on the memory/storage models and no info on the PSU or MB at all. Not to mention all the software that can come preloaded on those things. Figure the GPU and CPU might be ~2200 of the 3,000cost in just 2 parts, not a whole lot of room for quality parts in the rest.
But just AIO or Air cooling, I think PC building has just gotten easier. Don't even use the drive bays anymore really(no disc drives or hard drives) and m2s are just plug in and done. I think the only part that could give anxiety is seating the CPU, attaching the CPU cooler and if you do the thermal paste right.
Probably what I will order soon:
https://pcpartpicker.com/list/PRQyv3
Nothing fancy, I cant stand RGB and air is fine for me. 6800xt since I cant see any current midrange in that price range being worth it. Can use that for 2-3 years and replace if needed down the road. And I bought a 980 pro a month or so ago when it was on sale. And on a tight budget, so tried to go a bit cheaper in spots without going with bad parts. Also may remove the windows 10 and just transfer my digital license to new PC.