i get temps of 14-25 when my computer is idle and most of the time it doesn't even go past 45. what i believe could be the cause is room temperature or the water is building up algae like you said. I've been wanting to change out the water for the past 3 months but I'm not really sure how to since this is my first computer I've had water-cooling with. Also its been a year so algae could definitely be a possibility. Just out of curiosity, how often are you suppose to change out water from a water-cooler anyways? Also could the thermal grease be a problem? The thermal grease has been a year as well.
Thermal paste for a year isn't as much an issue, but you can replace it if you like. As for the water, it depends what your coolant has in it, anti-algants, anti-galvanics and the like. If it's good stuff, you shouldn't have to replace it very often at all, but if it's only basic (or worse, just distilled water) then every few months at the least.
i might look into it then, maybe dismantle the water system when i have enough money to buy the special coolant and if it's really the water then i guess its a must for OC computers.