Sadly there are a lot of people here that have no clue about a quiet, well-cooled system.
The only way to have great cooling at very low noise levels is to use 4+ fans, and take control of their RPM so you have each very quiet. You can pretend your 120mm fan is achieving that, but it is not. To achieve max cooling per airflow on the intake, HDD bay, the fan has to be as narrow as the bay such that ALL, 100%, of the airflow passes though that bay. 120mm fan won't do that, quite the opposite, it is inferior for front cooling. So, 80-92mm is optimal for the front, and to have very low noise/flow ratio you'll need two for a mid to full tower case, 3 if you have a lot of HDDs in a full tower.
Then there's exhaust. PSU needs one, preferably two fans for lowest noise and fault tolerance. One fan should be under the power supply in the rear case wall, it is proven by AMD and Intel to be beneficial. so far, for an optimally set-up midtower case that's a minimum of 4 fans. If you have less than 4 fans your cooling is inferior, period. It is impossible to have as good a cooling at same noise level unless you have a smaller system, fewer parts, heat. BTW, I'm not just pulling this out of my arse, I take temps. Multiple fans also help reduce "dead spots", and other lower flow regions are improved.
So if your parts are high-performance, creating a lot of heat, AND your case won't accept rear fans larger than 80mm, you're going to need another fan else run the exhaust fans at higher speed, more noise. If you really don't care that your parts are hotter, it's your call, but you are choosing a sub-optimal system configuration by making that choice and then arguing that nobody needs "X" number of fans because you sub-optimal system doesn't have "X" number.
It is a fact that two fans undervolted to same flow rate as a single, same fan, will be quieter. SO no matter how confident you are with your 2-3 fan cooling, if it had twice as many fans it'd be quieter or cooler running or both. If you like your case and it won't fit that many, there's a good reason to use only as many as possible. If you don't care, so be it, to some people the issue is not important enough to redo a case, but if we want to be anal about it, yes, more fans are decidedly better not even considering the greater fault tolerance of the whole system.
This is not an argument against cases with a rear 120mm fan, that is the best exhaust strategy if you can accept a full-width midtower case.