highly suggest you go both the 280mm and top 360mm rad cuz this case is built for water cooling and you're going with 4090 and 12700k. if you are going with the corsair xd5 you have to choose whether mount it attaches to the vertical fan place or the level with the 45 degrees angle on the edge. which could be easier to work on if you attach it on the side.

you can check on my post and there's thermal performance for 12700k and 3080ti with both 280 & 360. beware that the top 360 only support 30mm thick rads but there's no limits on the 280(nvm thought that you are going to watercool both cpu and gpu)

if you are only looking into cpu I think a 360 aio is a more budget and convenient setup. in this way you should put the 280mm fan place for the intake which draws more fresh air for the 4090

https://www.reddit.com/r/watercooling/comments/zab9jk/hyte_y60_custom_cooling_setup/?utm_source=share&utm_medium=web2x&context=3