No idea why there is any discussion going on here about X570 chipset fans, that was covered along time in the Ryzen 3xxx thread. Simple 'fact' is the chipset on the X570 is a 12nm I/O die taken from the Ryzen 3xxx range and bolted onto a board, of which when running under high demand can use a considerable number of watts, which in turn generates waste heat that requires either a small active HSF assembly, or a large passive heatsink to ensure correct operation 100% of the time, seat belts and airbags are not put in cars because you 'need' them every time you get in the car.
People who chose not to buy a board due to a chipset fan would mainly do it down to noise, rather than potential failure after many years, and the cost of replacement is in the low £'s range even if it did.
No one really cares who bought or didn't buy a board due to a fan, it's pointless, and so many people on here build one system (maybe a couple) every few years and are 'experts', and they take information from random articles, or people who they don't know or can't prove what is or isn't real then run with it as their narrative.
There are plenty of good X570 boards out there. Would I recommend them? Nope, is it because of the fan? Nope. Literally most folk will never need the features of the chipset, and a B450 does the job they need just fine, and could be replaced later down the line with a B650 (or whatever). Fair enough if you are building a 3950X, and want some breathing room for potential overclocking, or need the bandwidth offered by the PCI-E 4.0 bus for I/O, but most here just play games and compare FPS and why 230 is way superior to 219. It is the same people most of the time too, like broken records.