Just out of curiosity, what would the normal "minimal speed" for a video card fan be? 20, 30 pct?
It depends on the card. I think my Sapphire Vapor-X goes down to 17% at times when I'm doing nothing. A reference card might be a higher percentage, but it's also not really comparable as they are different coolers with different fans. One fan at 25% could be louder than another cooler/can combo at 40%, as an example.
OP, if you want quiet look at reviews of non-reference cooler cards. My Vapor-X is absolutely silent (atleast I can't hear it over my case fan/CPU fan) when in the desktop. When I game you can barely hear it spin up, but there is a difference. There are a bunch of cards, from both AMD and Nvidia, that have non-reference coolers that will be very near silent in 2D and not too loud when in 3D use.