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if i went watercooling id have the pump noise, which would be noisier than the arctic freezer and zalman both at 7v that ive got just now.
Testiculars. That only happens if you don't pay due care to mount the pump with sufficient anti-vibration material. Watercooling is as silent as the end-user chooses to make it. Nothing else defines it but your choice of components and how you mount them in your case.