My suggestion would be to pick up some Panaflo L1A's and try them. They move enough air to be practical, but are fairly quiet, to the point where most hard drives would be the noisiest thing in the system (or possibly a motherboard-chipset fan or video-card fan).
If the L1A's are the loudest thing and you would like them even quieter, then switch 'em to 7 volts and that should take care of it. At 7 volts, I think even my Seagate Barracuda ATA IV, an extra-quiet hard drive, would be louder than the fans. And when you're trying to quiet things down, you should target the loudest thing first.