Look is not like the 90s and 00s. The fan after the first minute on boot is dead silent. There are motherboards like the Gigabyte one that doesn't have fan. Or the MSI MEG Unify that has the perfect placement. Probably if I remove the shroud might not have that 30-40 seconds of growling on boot either. But would lose that little air it pushing to the M.2s.
The Gigabyte one that cost about £800 and was limited run? Not really a selling point if you don't have money to burn and a need for every high end feature.
Those fans are awful, usually cheap ball bearing fans, and they are another unnecessary point of failure. All they needed was a larger passive heatsink, instead of a tiny heatsink and a tiny annoying fan. Justifying it with "after a minute of grinding noise as my fan continues to it's eventual early failure, it turns off as long as I don't use the chipset too much" isn't really what I consider adequate for a motherboard that should get years of service.
Even you've been saying that the fans are placed incorrectly and gather dust that helps them fail early. It's just not good enough, and speaks of slapdash, rushed design.