Would it be bad to use a aio cooler (even if it is a reliable one like corsair) for 10 years or more? I would not have the pc running constantly, only when I am using it for gaming. Also, does it increase the chances of the water coming out if it lasts that long?

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AIOs are sealed assemblies with a small pump, tubing, radiator and fans. Those moving parts and seals age, so the likely failure modes are pump bearing wear, fan failure, tubing or seal degradation, and—rarely—radiator leaks. A pump failure on most consumer AIOs means replacing the whole unit, since they are not user-serviceable.

Practical monitoring and troubleshooting:

  • Record baseline idle and load CPU temps after install and re-check every few months. Gradual, sustained temperature increase under the same load is an early sign of flow or pump problems.
  • Listen and feel: new or worsening high-pitched whine, grinding, gurgling, or vibration can indicate failing pump bearings or trapped air.
  • Confirm the pump is powered via the correct motherboard header or vendor software. If the pump reports no RPM or temps spike immediately under load, treat that as a fault.
  • Visually inspect fittings and tubing for discoloration, residue, stiffness, or swelling. If any leak is seen, power down, unplug the PSU, and let components dry before further handling.
  • Do not open or attempt to refill a sealed AIO unless experienced; that usually voids warranty.

If the goal is trouble-free operation for 10+ years, a high-end air cooler is the lower-maintenance choice. If sticking with an AIO, pick a reputable model with a solid warranty, keep dust off the radiator and fans, and plan to replace the AIO when pump noise, rising temps, or visible wear appears.

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I wish this was simple to answer. First I'll reveal at one time I worked on determining reliability for electronics long ago. The basic rule is more parts means less reliable. But here, why would you add this cooler in the first place. The PC should arrive good to go and with care you can expect 5 years of service. After that it becomes unclear because the designs are not meant for a decade or more.

-> What I would do. I'd not modify the PC and use it as-is.

According to Coolermaster's website the life expectancy for that AIO cooler is about 70,000 hours.
Moreover, there aren't many improvements in cooler technology over time so keep using it till it
breaks.

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