im not really concerned about the CPU cooling because i dont know how hard are you gonna try and push it since 13600k can draw ~150W+ under load when OC'd and i cba to look up the clearence of your ITX case and ram sticks to figure out the best cpu cooler for you not that i know a whole lot about it
its just that some versions of dual fan cards especially budget ones Asrock included tend to sound like a hair dryer under load(shitty fans and high RPM) or have poor contact with the VRM or have shitty or not enough VRM or awful cheap cooling pads or they cheaped out on aluminum amount
if the difference is 20-30$ for a better version i would pay it gladly for the peace of mind but this also depends on how quiet you want the whole build to be, i can stand ~50-55dB because I sit in headphones/earphones all day when i use the computer