You will get different answers from whoever you ask. 650W should be enough, so long as you buy from one of the higher-end manufacturers. Seasonic or Corsair are really the only suppliers with offerings in the right sort of power range, and they're like hen's teeth because of the current craze of Mini ITX builds.
Assuming we are talking about the platinum SF600 Yes the fan will spin, but its very quiet even still. Fan looks to start at 180-200w which you will hit under load with those parts. Have the 750w unit for 9900k and 3090FE and even both bits under full whack and OC'd (mind FE is only 400w limit) the PSU is still very quiet. looking at review here: Corsair SF600 Platinum Efficiency, Temperature & Noise (tomshardware.com) looks like the noise, even when drawing say 450w-500w is very good.