So everyone here is all saying "stock is fine"

Yeah, in my experience, stock is fine if:

-You don't mind hitting 90C+ on your cpu during intensive gaming and literally running a heater inside your PC which brings me to number 2

-You find satans screams soothing so you might also enjoy the high pitched screeching coming from a shitty stock fan going 110% constantly to fight that hot ass chip.

If you want to avoid either of those things, a cooler would be a very good purchase.

I personally went AIO liquid cooling, brought my absolute peak temp from 93c down to 68c during the most intensive usage, and reduced noise by 1 entire Satan screech.

Just a suggestion. You can run the stock cooler, not like your computer will explode, but for like $40-$50 you could INSANELY reduce heat and noise.