OP, I had the same questions a month or so ago. Was even considering building up a new system based on Intel because of past experiences with chipset fans. (Yes, it was long ago....lol!)
But I bit the bullet and bought an X570 mb (MSI Meg Ace). Haven't heard the chipset fan yet. Just checked right now (only internet browsing) and the fan's off. Have never checked during gaming, but I may. On the other hand, cannot hear it at all...gpu's fans are probably drowning it out during gaming (2070 Super w/triple fans).
I wouldn't worry about its noise creation. My concern now is the fan's failure and ability to obtain replacement since these fans seem to be unique to mb mfgr/mb itself. Worse comes to worse, I'll use an old Antec spot cool fan, but that fan is plainly audible. But it has the ability to allow me to mount it anywhere there's a screw and focus its output on one spot.