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I think this is the problem for some of us with louder coolers. We're not used to having such high temperatures and fan noise for either Intel or Ryzen 2x CPU's for stuff as mundane as browsing the web.
As someone else said I'll just have to set a different fan curve and keep an eye on it really, though from purely habit the thought of a CPU idling at 50c+ while surfing the web makes me feel uncomfortable....as does the fact that I have to go messing with fan curves at all.
Agreed I am using an Noctua L12 in my Mini ITX build! I rarely heard my CPU fan and I am only running the 92mm fan because it's in a Ghost S1. It's rather annoying to be honest.