It depends on how well-ventilated your case is, how close to your ears your PC is located, how sensitive your hearing is to the frequency of the fan, how CPU-intensive your Photoshop projects are, etc.
You can install and uninstall the stock cooler easily without the need to access the other side of the motherboard.
Why don't you install it and give it a try? Set your motherboard BIOS to control the fan RPM based on temperature. If you find it to be too loud, order a more efficient cooler.