With a PC you still have case fans running because even with modern motherboards they don't support switching them off at low temperature. You need to be running special Windows software.
And to cool the CPU you really need to be running AIO or dedicated water coolers which themselves will have 3 fans almost always running.
There is no shortage of silent air coolers, such as the NH-D15, that are 20-30 dBA and undetectable unless the only noise in the room. It's usually stock case fans that are the culprit.
3 for the GPU and 3 for the case. The latter are pretty noisy and constantly run.
What do you mean? Most motherboards support sending 0W to fans at given temps. You just install the motherboard software.
I have a ASUS TUF GAMING B550M-PLUS WIFI II motherboard in my desktop set to do exactly that, under I think 48 °C it stops the case fans. No Windows software required, it’s all in the MB’s BIOS.
https://www.macrumors.com/2022/05/09/mysterious-noise-sparks...
Hopefully, Apple has solved this issue with the second iteration.
I built a fairly stock PC, it is not silent and needs BIOS undervolting and custom fan curves to get there, and most recently I found updating the BIOS erases all of that.
Also built a NAS (which is too loud so I'd like to rebuild it) and the one time I reported a bug to FreeNAS a graybeard yelled at me on Bugzilla for not building a 1U server with fans that sound like an airplane taking off.
I own a Mac Studio and PC 10980xe with 4090 and the latter has to live in a separate room because of the noise.