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CYOA-
Is water cooling the norm then these days? Can it be not hideous? My assumption is a big multi coloured lava lamp.
You're not wrong, 30 series GPUs are hens teeth at the moment and you'd struggle to find an AMD one too! Would you be interested in 2nd hand? You could probably find a 2080ti second hand if you wanted, but for the amount they go for you're 2/3 of the way to a 3070!
As for water cooling it can be as gentle as you like - I also hate RGB and spinning fan crap. I had a Corsair AIO (a previous model to this) that I turned the LED colour to white and it was acceptable.
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Wait for 3060ti to be actually affordable
se1derful
spotter
The biggest obstacle will be the GPU - for PUBG at 4k 144hz you're going to be looking at something beefy and beefy general means hot (2080/3070/6900).
For me I'd recommend something like a Meshify C Mini or a Define Nano S. Space for rads and lots of fans if you want it, and if you go for a 5th Gen Ryzen you won't really need a huge CPU fan so you can concentrate the firepower on a hybrid GPU.
Also, with that kind of budget I'd definitely spring for Noctua fans or Corsair ML series. Even if your case comes with fans, swap 'em all out. Make sure your MOBO supports enough PWM fan headers (or get a separate fan controller) - it's probably kind of rare they don't nowadays but best to check.
I don't have much experience with SFF but if you want something smaller I use this as a Plex media server and it's unobtrusive. The big 200mm fan in the front helps keep noise down too; you can even have a rad on the top and sides if you're game about separately cooling your GPU with an AIO.