Roughly, 22 db is a whisper, 36 db is quiet conversation,. Figure for every 10 db rise, the noise level doubles, so 36 db is over 2x as loud as 22 db.
There are several different bearing designs used in pc fans. The cheapest being single ball bearing, then sleeve and rifle, double ball, then the liquid styles. Of these, some will not last long if the fan is used horizontaly, namely rifle and sleeve, where the fan bearing does not end up riding on the center post, but instead rides on the point, where there is no part of the bearing or lubricant. The liquid styles like cougar and noctua use, and the 1x and 2x ball, don't have that restriction so are more reliable in a horizontal position.