Your best bet is to first run all fans at minimum speed so you can hear the pump. Start going by 5% increases, until you’re happy. Then tune the fans. You may notice that sometimes you can increase the pump speed without noticing it over the fans, but sometimes even if the fans are louder, sometimes the pump can be noticeable, specially some screamer’s high-pitched from Corsair and similar.
Better still, find the point (%) where the pump is quiet, and keep it at that speed until the CPU needs all the flow it can get. Mine will only go to 100% of reaching 80C, which never happened in games. Setting the speed gaps too low, the pump changing speed constantly will be way more annoying and noticeable than a constant speed.