A stock cooler out of the box will do you just fine as it's designed to run with that CPU targeted clock speeds. Aftermarket coolers are for those people who wish to overclock their CPU speeds and even then not all people who overclock use liquid coolers as fan coolers do a great job also.
If you aren't going to overclock why are you buying an aftermarket cooler?
I don't OC and I have a aftermarket cooler?
@Wyo if you get an aftermarket air cooler then yeah it's fine but kinda overdoing it if you get a water cooler and not OC'ing unless it's constantly hot where you are.