To the second part... IME very few "<20dB" fans actually were. In other words, as an average SPL they may have been - but in certain frequencies they were much louder. The sound profile of the fan is much more critical than the average SPL. If it's a very low drone or whoosh... it will mostly disappear with music - certainly much easier than a 2kHz drone or worse, a 5kHz whine. YMMV.
Better quality case fans are not only quieter overall for a given airflow, but also tuned to stay away from the whiney end of the noise spectrum. Noctua have a really good reputation for low noise, long lasting fans that will almost certainly be better than the cheap fans that come pre-installed in most PCs or PC cases:
https://noctua.at/en/products/fan. Also, fans don't last forever, so if you have an older PC that's been running for thousands of hours, the fan bearings may be a bit worn and worn bearings can make a whiney noise, especially smaller diameter fans that spin at higher RPM.
Bigger fans are always quieter for a similar airflow, obviously, so if you have space for a full or mid size PC, it's easier to make it quite than a small case that can only accommodate small diameter fans.
Most modern PCs/Motherboards have fan headers to which you can connect the fans. These headers allow the BIOS to increase the fan speed as the CPU temperature rises. Playing music isn't very taxing on the CPU, so the system should remain fairly quiet. If your motherboard/BIOS doesn't allow for fan speed control, you can buy manual fan controllers, or cables that will reduce fan speed, however, these will make your system run hotter, so you should keep an eye on your temperatures:
https://www.howtogeek.com/275339/how-to-auto-control-your-pcs-fans-for-cool-quiet-operation/
https://www.pcerror-fix.com/pc-fan-controller-software
If you have a set-up where the speakers are 6 to 10 feet away, with your amps, etc. between them, having a PC with quiet fans at a similar distance from you is unlikely to be an issue, especially when music is playing.
Also, unless you live somewhere very quiet, or have a soundproofed room, it's likely that background noise will be somewhere in the region of 20 to 30dBa and quiet fan noise won't be that noticeable: