Dells 90mm (yes 90mm, not 92mm) fans use an on-fan temp rheostat, when it hits a certain point the fan goes from 7V to 12V. (and then sounds like a dasm 747 taking off). as long as you have a base system they do ok (thought thier 200W psu's are woefully inadequit (I do dell service repairs for both Unisys and Banctec, on the base model towers {2400,2450,4400,etc} 80-90% of my calls are for dead psu's, and I make repeated trips often every month or two to the same place for the same machine). If you add an extra hard drive, or an actual video card, the psu's have major problems and die often, not to mention you have issues with your video cards flaking out and dying as well.
Dell seems to have designed these cases with the idea that, 90% of the people buying them will be satisified with 128-256MB of single channel memory using intels extreme(ly weak) graphics (using only 1MB instead of 8MB) with the only intent to use dial up internet to get access to AOL and get infected by spyware. Then they try to get you to buy faster processors instead of more (or faster) memory/video solution, still on the premise that a 3Ghz p4 w/128MB single channel memory is faster than a 2.8Ghz p4 w/512MB of dual channel memory.
sorry got off on a little rant didn't I?
anyway, the first thing I'd do would be find out what's making the most noise (touch the fan center to slow each one down to see if there is a dramatic reduction in noise. if it's a case fan, mod it to 7V and continue, if your hsf is the culprit, get a better hsf. if your psu is the culprit, get a quality psu. if your hdd is the culprit, upgrade to a newer hdd (seagate's are the quietest) and basically follow lazybum's advice.
oh and to monitor temps on most any pc (and find out other usefull info) I use
aida32