Indeed. This warning simply reminds the buyer that the chosen CPU comes without a cooler and the builder needs to order one. Apparently that's too complicated for a typical Mac user to deal with.
The top model with the i7 will perform well for many years, unless you do a lot of media creation or numerically intensive work (data processing, AI, etc). My 2012 iMac has a third-gen i7 and still ...
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