And also understand if you buy a "retail" version of a CPU, it will come as a "unit" with a heatsink fan (HSF) assembly. Then understand that the 3 year warranty is only valid if you use the supplied HSF as both Intel and AMD do not allow the use of 3rd party coolers (when it comes to warranty support). If you don't care about the warranty, then no big deal - you can keep the OEM fan for a spare and use a 3rd party cooler.
Note this is not my opinion - I am just the messenger. It is in your warranty!
Intel CPU Warranty Information - "Intel warrants the Product (defined as the boxed Intel® processor and the accompanying thermal solution)... ...This Limited Warranty does NOT cover...damage to the Product due to external causes, including...usage not in accordance with product instructions...".
AMD CPU Warranty Information - "This Limited Warranty shall be null and void if the AMD microprocessor which is the subject of this Limited Warranty is used with any heatsink/fan other than the one provided herewith."
So my advice is to (1) determine which CPUs are compatible with your motherboard then (2) use the HSF that comes with the CPU. The good news is since neither AMD or Intel want to replace a CPU under warranty, the OEM fans supplied provide excellent cooling and are fairly quiet too. As long as the case and case fans provide good front to back air flow, you keep the internals clean of heat trapping dust, and you don't overclock (damage from which is also not covered under warranty), the OEM fans will provide years of reliable service.