ndee,
The other thing to bear in mind is that how a fan is mounted will have a huge influence on how loud it sounds to you (versus its sound hanging in the lab where the manufacturer tested it). In particular, I've found the distance between the fan and anything that disrupts its airflow to be a critical factor.
For example, I had slapped a 92mm 3dfxCool fan into my Inwin Q500 by bolting it to the inside surface of the case in front of the pre-drilled grill holes (low front; I had removed the plastic mounting bracket there for an 80mm). Anyway, it was loud as hell! But when I offset the fan from the grill by about one inch, the noise level fell dramatically.
Placement of the fan will also affect the pitch of the sound put out by a fan, and pitch is directly related to perceived loudness.
(Oh, and by the way, insetting the fan from the wall of the case as I did meant that it would be recycling the air already inside the case instead of drawing cool air in from outside. To prevent that problem I built a short duct out of foam-core board from the fan to the back side of the grill).