GPU fans are generally very quiet. really only if you’re running a AAA brand new game at Ultra specs will you hear anything. I have an i7 12th gen processor, a 3080ti gpu and barely hear a peep from my computer unless I’m gaming, and even then it’s quieter than my airpurifier. Got 4 case fans in there on top of the built in 3 fans on the gpu. I think you are massively over estimating how loud computer cooling is, and also not taking into account the fact that the average background db level of your environment will likely drown out any minor sounds from your computer (according to google, the average for suburban areas is 45-50 db, so a fan putting out 1 to 2 is not gonna break through that).

Just suggesting that you can further future proof your machine by getting a better gpu to start. Just because it is more powerful doesn't mean its gonna constantly be running fans at full speed. Honestly, having lesser resources would probably increase the likelihood of fans running more because they will be under higher load just due to them being less capable than more modern components. Regardless, even if your system is under heavy load whatever you’re doing (watching a movie, listening to music) is likely gonna drown out the mild whirr of some fans.

Anyway, hope you build a PC you’re happy with. I recommend at the very least adding some noise cancelling headphones to your build.