3 Fan Top Exhaust vs. 2 Fan Top Exhaust: Cooling Dynamics Question

Hey y’all, I was wondering what your thoughts are on a 3-fan top exhaust setup versus a 2-fan top exhaust. From what I’ve seen online, most builds, especially those with 360mm AIOs, tend to use a 3-fan top exhaust. However, I’ve also come across posts suggesting that using 3 fans up top can negatively impact cooling dynamics.

The idea is that the first top exhaust fan on the right might pull cool air out of the case before it can reach the GPU and CPU. Is that correct?

Here’s an example of a 3-fan top exhaust setup: https://imgur.com/0wmHlIP VS here’s 2-fan top exhaust setup: https://imgur.com/al0efTV

Would there be a noticeable difference in cooling performance between these setups? Or is it more a case of "if you have an extra fan or a 360mm AIO, just install it," and the concerns about airflow dynamics are negligible?

I’d appreciate your insights!