Dashboard doesn't stop it. I've only ever heard it when I've used my Macbook in bed and therefore in complete silence. It's a total non-issue, people just enjoy moaning.
I really don't think theres a heat problem, you'd be a fool to run a laptop on your bare skin and a lot of laptop manufacturers do not reccomend having it on your lap even with clothes. I don't have a problem with it through my jeans.