The only sub 20db result will be if you undervolt a Nexus 120mm fan or undervolt a Yateloon D12SL.
It may be possible to obtain sub 20db on a more common Yateloon D12SM, but you are looking at sub 7V. So you would be limited to a Sunbeam fan controller or the zalman fanmates.
Most other fans will have unwanted noise character that would be an "annoying" sub 20db sound - such as clicking, buzzing, etc.
You are safest with the aforementioned 3 fans. In addition, a Globe fan, and acoustifan may be able to do this, however I have no prior experience with these fans.