For crying out loud guys, are you going to stop me or something?
LOL...No.
while a 3rd RAD might help now, it might go to waste after a future upgrade to lower power components.
That's cute, I know everyone is all mobile this and lower TDP that. But ask yourself, historically over the past decade have we trended toward needing less heat dissipation or more? Just look at the size of the average heatsink, gpu cooling assembly, or even the typical power supply, all those watts are going somewhere. I remember when a 600w psu used to be considered ridiculously monstrous, now it would be strained running a custom bios overvolted and clocked to the absolute max top end GPU alone.