Your logic is flawed as it does not take into account those of us who have very specific noise requirements. Pretty much any cooler on the market is much to loud for me, so no matter which one I buy, I will have to change the fans. Simply running them at lower speeds doesn't do it as that would be a compromise that the fan is not designed for.
Then there are aesthetic considerations. In my current rig all the fans are clearly visible. It would annoy me to death if those fans did not match.
As for the financial side. I spent about 50% of the 212's price, on 2 new fans. Combined, that is still only about half of what a NH-D14 costs. And that is without adding the cost of new fans for the NH-D14, which it needs for reasons listed above.