This is one reason I've been investigating high throughput fans which lack motor noise.
In other posts, I noted that the YS-Tech 120x38mm fan is supposedly rated (12V @ 0.66 A) to push 125.5 CFM. It is my fan of choice for use with the XP120, with a blow-hole and duct on the case side-panel.
I figured if I put one of those ULTRA "UV-reactive" fan filters (FrozenCPU.com) on the fan, it would still suck in a helluva lot of air per minute. But my idle and load temperatures went up between 2 and 4 degrees Fahrenheit. They are still acceptable -- many might say outstanding -- but I'm trying to "go after the last grain of rice" so I can OC this 3.0C to 3.8 Ghz or above. The CPU temp today -- at a room ambient which clocked in at 76F from the hard-disk tape-on thermal sensor immediately after starting up the system -- was 40C or 104F at 100% load (Task Manager Performance monitor never dropping below 95 except for a few brief spikes).
I could take the filter off, or I could open my duct on the inner side of the fan filter to relieve the obstruction to air intake, and the CPU fan would then be sucking in some of the interior case air which is already filter through the two front 120mm intake fans. That would probably give me the best of both worlds -- I get a portion of cold air from the side-panel blow-hole, but some interior air makes up for the what is lost by the filter obstruction.
This is all preparatory to my plexi-glass experiment with Sentinel's ducting-mod (see "Foam board Mod").
I FREAK--in' HATE DUST!! I HATE DUST IN THE CASE, I HATE DUST BUNNIES, I HATE THE STUFF GETTING ON MY CIRCUIT CARDS. And the timely, weekly removal of case panels and consumption of another $5 can of air is a nuisance.
Like I said in an earlier exchange with someone who's done a water-cooled system, I can't wrap my brain around the idea. But next build I do, it may be some combination of heatpipes and TEC, or it might be water-cooling. I just wish somebody could promote a non-conductive liquid coolant that had similar thermal resistance properties to water . . .