I dont want anything as risky as this thats the reason i didnt go with liquid cooling afraid of its maintence
dude what do you do?
If you have the ability to tweak fan speeds be it software or BIOS settings then you can buy fans and increase their speed (which will raise the noise level) and thus increase the air flow and allow for filters. I haven't looked at the filters that are out there, and this client of mine used filters he had bought at the hardware store, so they were a bit thick.
What can you do?
Apply filters to your case, and then test the machine, like a benchmark, preferably one you can set to run at certain levels, and then monitor your temps. If under 60% stress you are getting good temps with filters, then bump up the stress, until it gets unstable. Then adjust fan speeds until it is at stable temps again.
You need to test, tweak, test, tweak, on and on until you find the right balance. Just remember you reset the BIOS you reset fan speeds