Do you know what cooler will be in the pc?
You’ll likely be fine with just about any 360 aio and any solid air cooler. Air coolers from noctua, thermalright, and deepcool seem to be go tos and will serve you well.
Going into the bios and using a -100 mV undervolt will help you avoid most thermal throttling (tho unlikely unless you’re really hitting the cpu hard with the aforementioned coolers) and a similar setting in XTU will do the same.
Undervolting will surely prevent all of your mentioned concerns, but you’ll also be fine without touching any of that as long as the cooler isn’t something rated lower than or just barely meeting the wattage of the cpu and, also, it’s not being stuffed into a sffpc or very small case with proper case airflow.
TLDR; I’d recommend the i7 for overall peace of mind and performance and provided the base cooling isn’t being skimped or overlooked, you’ll be fine and happy.