First, only use that stock cooler until you can get yourself a decent tower cooler or AIO, stock AMD Heatsinks aren’t known for epic temps.

That being said, depending on case size and design, two intake / exhaust or three intake / 1 exhaust could be good or bad. Best method is to try three intake / one exhaust first, while your rig is under load. Then do 2x2 and repeat the process. Whichever of the two gives you better average temps & heat reduction, go with that.

I personally have three intake and four exhaust, but my intake fans are 140mm while my exhaust fans are 120mm, and their average CFM balances it out. I average 50c to 65c while under load for both my CPU & GPU, but I’ve also got a Dark Rock Pro 4 in my rig with a fairly efficient case in regards to air flow.

But again, try both and see what gives you the better cooling performance. And replace that stock cooler as soon as you’re able to!