5800X3D (105W TDP) and 7900 XTX (355W TDP): 2x280mm rads enough to keep quiet?

This will be my first custom water loop. I'm currently running a six year old Corsair 280mm AIO for the CPU and that's the extent of my water cooled experience. I'm kind of bored this winter since the weather hasn't cooperated for skiing so far in the southwest, so I need to give myself something fun to do.

Using the rule of thumb (105+355)/120=3.83 120mm fans. I currently have room for two 280mm rads to easily fit and make things very simple. However, to my n00b eyes that doesn't seem like a lot of headroom if I'm going for quiet performance, even if I'm not overclocking. It's also well known that AMD stuff likes to run on the warmer side.

I don't *plan* on overclocking, but I do like to tinker with things, so there's always the chance I may do a bit of it in the future. Given the memory price issues, system upgrades are off the table for the foreseeable future so I shouldn't have to think about upgrading the cooling setup for a while.

I'm in a Fractal Define 7 (not the XL) with an ODD, so I *could* remove the ODD and go all the way up to 420 (top) and 360 (front) rads but that would obviously be overkill. I could also throw a 240mm rad, or maybe even squeeze another 280mm into the bottom of the case instead, but I was kind of planning to put the pump down there. And since that's in the PSU tunnel, I figure the airflow through it probably won't be all that great anyway. There are removable panels on the top front part of the PSU tunnel but I'm still not sure pulling air from under the case will work that well regardless. Or I could just do a little 120mm rad where the exhaust fan currently is, but that seems like a desperation move.

I would rather leave the ODD in, because I'm one of those people who does like to have certain physical media, so I occasionally do buy some CDs and rip them to my PC.

So what would /r/watercooling do in this situation?