As mentioned above, it depends on what AiO you have, CPU as well.
I had an NZXT Kraken x62 280mm AiO and I had the fans at 35% until 55'c. From 55'c it was increased to 45%, at 65'c it was set to 50%, and from 75'c and beyond, it was set to 65%
The pump was on a factory "Silent" preset, so it was at 2000rpm when under light load, and 2700rpm during gaming and stresstests
This was with an i9 9900K (stock settings), and temps never went above 70'c with this setup. The noise from the AiOs bothers me when they are running at high RPM.
I performed a lot of different temperature and load tests, and I quickly noticed, that at a certian point, increasing the radiator fan RPM had little impact on cooling performance, but became very loud instead. So I spent a lot of time figuring out minimum fan RPM for efficient cooling.
So the fan curve I used wasn't a smooth gradual curve, instead I had it configured to everyday tasks like browsing and watching video never resulted in a temperature where the fan RPM would increase or decrease.
It was more like a step ladder curve, where gaming was within a certain range, minimal load was in a different range.
That way I avoided the annoying sound of fans increasing or decreasing often, when watching a video for example. Most tasks performed on my PC, had their own step in the fan curve, you could say.
I've since then ditched the AiO and returned to air cooling instead.