Err. You've obviously never owned a Zephyr 360 and tried to play a game whilst your g/f is trying to get to sleep!
I do the same, without the noise of the hard drive I cannot hear the Xbox. Even from a few feet away. Any ambient noise in the room easily covers whatever noise the fans may make.
I dont use mine for anything other than a DVD player now, it is simply too noisy.
Your deaf.
They are loud.