Also depends on your sensitivity to noise. For some people 40dBA is acceptable. Others don't want anything higher than 31-32 dBA.the second IIRC went for the highly scientific descriptor "quiet".
NVIDIA GeForce RTX 2060 12 GB Review - Temperatures & Fan Noise | TechPowerUp
What's surprising to me here is that the 6900 XT has the lowest load noise level. Zotac seems to be worse in terms of noise levels. I guess you get what you pay for.