Robert, The TDP of my old processor is 95W officially from Intel. But he has been at 42% acceleration for more than 13 years!
My 140mm cooler (which hasn't been changed since November 2009) has no "curve" at all, it runs at about 900rpm all the time, which is simply not audible in a quiet room with a heavy metal large tower case, where additional measures have been taken to dampen vibrations and output noise outside.
The motherboard is NOT modified with radiators, only what is covered from the factory. It has been working stably for almost 14 years at 42% overclock. Just a very high quality motherboard from MSI. I also have an even older and cheaper motherboard from MSI for socket 775 - its capacitors swelled after 1 year when trying to overclock C2D (but not in the VRM zone of the processor - there are high-quality thin-film capacitors everywhere), but it still works stably with Xeon E5450 without overclocking, not surprisingly, after 15+ years...
I don't see any problem in making a practically silent system unit of a desktop computer with a consumption of up to 200-250W, unlike laptops, where this is physically impossible without limiting the total consumption (inside the laptop case - the screen panel does not count) to values less than 75-80W.
You just need to initially correctly and carefully choose the best quality motherboard with the ports and slots you need outside and inside, based on the fact that it will be with you for at least 10 years. Unless, of course, you are one of those who change hardware every 2-3 years, or even more often. You always need to anticipate trends in IT and understand whether there will be a radical leap in productivity. Back in 2009, I understood that Lynnfield, overclocked by 42%, was unlikely to lag much behind future Intel/AMD processors for another 7 years, and this is what happened in reality. This was an exceptionally good purchase considering it is still running strong after 13+ years. And only next year it will become completely bad, for a simple stupid reason - the bastards at Microsoft retired W7 too early, and because of this, in the winter of 2023, the manufacturers of key browsers refused to support it - first Google, then Mozilla.
You can, of course, install LTSC 2019 on it, which will be supported until about 2028, but alas, under W10 its performance will no longer be enough both in terms of response and in terms of free memory (and there is a maximum of 16GB).
I wish you to choose something thoughtfully and also with a large margin, so that the computer is stable when you squeeze everything possible out of it and will please you for at least 7-8 years. Unfortunately, I'm sure that modern motherboards and processors with elements of artificial aging will not withstand the same periods of time as my 2009 computer, which still copes perfectly with Youtube in 2023 at 2.5k@60fps resolution even without using hardware decoding , only by the processor... and this is a very serious load for a 2009 processor, even at 42% overclocking...