There are too many factors that have to be counted in for anyone to give you a pat answer. What's your avg ambient temp? How good is the cooling in your case? How hard do you rock your card in games? Benchmarking? What temps are you comfortable with? What is your noise tolerance level? Etc, etc.
Your best bet is to go with the default settings and run a graphics benchmark like FireStrike or Unigine Heaven. See what noise levels are associated with what fan duty level at various temp marks (i.e. noise level at 30C with fans at 17%, noise level at 40C with fans at 35%, etc). Take notes at each arbitrary checkpoint along with your impression of the acceptability of the noise level. You can then set a custom curve to fit your...