So I did an experiment. Setting 1 vs 5, CPU temp increases 2-3c and GPU temp increases 3c. I put them under load and turned the speed dial and I could see the temps instantly go up and down 2-3c. I am leaving it on setting 1 for now with all the fans at the slowest for maximum silence. Turning fans up combined with faster pump speed increases cooling by about 5c. GPU temps only hit 45c and CPU temps upper 50's, low 60's with everything on low speed, so its all good. Silence is golden. Maybe i'll turn them back up in the summer.