I posted a video or two of the fan noise before if you look back, It is audible in the video and is audible from several feet away when the fan is in its nominal speed after some time being used. It's not loud, but you certainly can hear it amongst ambient house noise.
Does seem like there is a massive variance in this. I'll try to take a video later tonight when it is near silent in terms of ambient/environment noises.
Looking like dell might not be able to do my full refund so means I'll have to return this one and wait on the second order to show up. If the fan noise is as bad as some say on my second one, I'll just start going through replacements till I get one which is quiet