Well, I'm very sensitive to sound (both due to a condition and just, well, it's me) and I have my pc setup to be as quiet as possible. (my current build : https://pcpartpicker.com/b/yynnTW
). I use very low noise fans and coolers in my system. In fact, when I put my fancontroller to the lowest setting, my 4tb HDD emits more noise with the spinning platters then the casefans. When gaming, I usually put the fans at medium speed which is still very very quiet (Silent Wings 2 140mm's). When I used the MSI 6G with stock coolers, as soon as the fans went over 50% they were louder than anything in my system, at 65%+ it just annoyed me (mind I'm trying to keep it VERY quiet). The Accelero IV is doing a very good job, and the fans can be heard faintly when under load but they are just a tad louders than the casefans at medium, so ok. So I guess there are no stock coolers as quiet as the Accelero IV then?
On a side note, just to clarify, I'm hearing impaired at one side, which somehow makes me very sensitive to all sorts of fan noise. On top of that, my pc is in the living room so loud fans are a no for other members. Using headphones is impossible for me too (trust me, I hate myself for this).