What is the issue exactly?
- Are the fans too noisy in general, or just when the temperatures run too hot?
- what is your general temperature or when does the setup start to be very loud?
- is it the airflow which is noisy, the fan rotation or do you have mechanical noise (eg. cable smashing fan/defective fan)?
- Do the fans "pump" (noisy-silent-noisy-silent-noisy-silent...)?
I would go trial and error a little.
Generally the components can be used hotter than one might think. The main downside is the life of the components gets reduced.
This induces that the PC does not have to run as cool as possible.
If the temperature gets too high (100°c) however, the Components will throttle in order to prevent damage.
I normally set the fans to minimum at around 35-40 gradually increasing, maxing out at 65-70. A Cpu running at 50-60 Permanently should still make it at least 5 Years.
Which is rughly the time in Professional IT environments for Exchanging Servers. This is also the reason why many Companies are not running their Server-rooms like a Freezer anymore.
One experience that I had specifically with AMD cpus is that the fans start pumping terribly depending on the load. (especially the wraith prism air cooler)
You can try setting a fixed, comfortable fan speed, eg, 45% and only when the temperature rises above, lets say, 50 gradually crank up the fan. This helps by having excess cooling power in the first place so the temperature spike will not build up so much.
What also helped a lot in my case was to set down the fan reaction speed to a longer timeframe. this makes the Fan not go jet engine if there is a short spike in load.
Depending on your issue there can be many solutions. You can also have great success switching fans from noname to brand ones. I personally only buy Noctua and never was able to hear one of my computers under full load but yeah, they are quite expensive... Other Brands will work as well.
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Edit:
Why does everybody go nzxt. I really don't like them anymore. Did I miss out something on them?