I have an i7 build with a Noctua fan, a fanless GPU, and fanless power supply. It's as silent as a mouse's fart behind the wall, even when pushed some.
Yes, gamers need all the cooling they can get with some super resource intensive titles... but like others, I am not a gamer. My rig is super-fast for all I need in amateur photography and even some video editing and AI video encoding (but not with the most advanced forms of the latter, but hey, that's what cloud services are for).
There is a "gotcha" these days (no matter the performance), which is that the fans can and will ramp up at the first hint of a "sustained load". AMD Ryzen CPU's are particularly bad for it because they "run hotter" (use more watts) than a similar Intel CPU (it's to do with the ways Ryzen manages RAM and IF etc), and so when they then do all these "micro-turbos" whilst you're just doing normal tasks, then that's often enough to get the fans to spin/ramp for a few seconds. So is what you need to do is reduce the amount of triggers, but also tweak any fan/heat settings you can regarding "hysterics" (response time). Simply put, they are extremely agressive by default, and so if you turn them down (like put to slow or 3sec), then that's often enough for the fans to not react to "blips".
the "semi-fanless" idea is appealing.
i dont do gaming, currently, but may want to one day as my good lady pointed out. (i tend to change my mind quite a lot)
I'm at the point of fuck it — just drill a hole through the wall and put the PC on the other side of the wall! Any cable can do like 2m, so it's not a problem
Edit: This "cable" idea is easier/better than ever thanks to how good the latest-and-greatest USB is (USB 3.69? 4? Thunderbolt? dunno exactly where it happened). But the point is, good quality USB-C cables can transmit a lot of data, AND power, and that means you can send 1 cable through the wall that can then "split" and do keyboard, mouse, monitor, and USB hub.
Actually, I have an Intel N100 PC, and my Gigabyte monitor has an in-built KVM with like "10 watt" PD (power delivery), but I have plugged that "15W" mini-PC to the monitor only via 1x USB-C cable, and the keyboard and mouse go to the monitor, and it works! And whilst I rate this capability/advancement/tech, I think it could (and might be) even better using just PoE (power over ethernet). It's getting the point where you can/could a "computer" in to a PoE point, and the PC then hubs out to a few USB devices, and everything is "connected" and "running" over nice and simple L-V cables.
I run a water cooled desktop with 200mm slow fans and it makes noise although the low frequency fan noise is acceptable.
Hoses through the wall!
"Crazy PC cooling" isn't a new idea. I like "underclocking" these days (ie, getting the most you can from as few watts as possible), but if you want to cool in crazy-efficient ways, then there are lots of avenues to explore.....