A heatsink will be helpful if you have room for one. A giant heatsink with a fan and heat pipes is overkill though. Even enterprise SSDs don't go that far. They just have a plain aluminum heatsink that gets cooled by the case fans.

Active ssd cooling is probably overkill but they can certainly throttle down to barely working speeds if they aren’t properly cooled. I could see there being scenarios where something like this is beneficial.

SSD waterblocks are also a thing

https://www.corsair.com/us/en/p/custom-liquid-cooling/cx-9029002-ww/hydro-x-series-xm2-m-2-ssd-water-block-2280-cx-9029002-ww