will this work with b550 and what type of cooler is recoomended

The product is compatible with Socket AM4, which is supported by B550 motherboards.

whats a Tray Desktop Processor

A Tray Desktop Processor refers to a CPU that is sold in bulk or as part of a tray rather than individually boxed. These processors typically do not come with retail packaging or cooling solutions.

Questions & Answers: AMD Ryzen 9 5900X 12-Core 3.7 GHz Socket AM4 105W 100-000000061 Tray Desktop Processor

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AMD Ryzen 9 5900X 12-Core 3.7 GHz Socket AM4 105W 100-000000061 Tray Desktop Processor

7nm 105W
64MB L3 Cache
6MB L2 Cache
None Integrated Graphics

$299^.00 –