Stock fans are great if you like to hear the whine of a fan.
I have 2 machines running 12+ toons each, all nearly silent. I built my machines purely to keep the noise/cost down to a minimum. AMD A8-3870k with 16gb RAM and SSD, Corsair PSU, watercooled CPU with corsair fans, Asus F1A75-V PRO motherboard with lots of shiny anodized heatsinks with 2 x 22" monitors on each PC. No noisy Graphics card, no small whirring fans. When I need a GPU upgrade I can divorce the wife and just throw in a GTX titan

When I feel I need a CPU that has some grunt, I turn the insides of my machine into a Multimedia PC for the living room, and buy an Intel
