"Near-silent" is about as good as it gets.
In other threads, I have -- and will -- distinguish at least two (maybe more) types of fan-noise. Water-pumps also make noise, and water-cooling aficionados complain about it. While water was an approach originally promoted to reduce noise (particularly from CPU fans and coolers), effective water-cooling requires more fans now than effective air-cooling -- if significant thought and planning are put in to the latter.
Folks I've seen here at the forums often lean toward fans that are very quiet but have low airflow output. And it is easy to want a fan that runs at its top-end silently, so you can just connect it directly to the PSU and fah-get-about-it.
Here's some things that can make a computer -- for most intents and purposes -- manageably silent:
1) Learn about your motherboard PWM and 3-pin fan pinouts, the motherboard BIOS and the bundled software that will provide fan-control and allow you to create custom fan-profiles. Cheaper motherboards are likely to have fewer ports and maybe less in the way of refinement to these features, but you need to find out.
2) Determine your cooling and fan-selection strategy, and count on the possibility of some noise when the computer is "working hard."
There are two -- maybe three types of noise:
-- Noise from the fan motor -- often a whine or hum at different speeds, which may increase in pitch and volume as fan speed increases.
-- Noise that is set up by the the design of the fan-blades. If such a thing exists, I've found it hard to determine whether it is the blades or the motor.
-- White-noise from air-turbulence when some types of fans are pushing their maximum air-flow.
Of all these, the most tolerable is the "whoosh" sound of the white-noise. It doesn't have an identifiable tone; it may sound like a nearby air-conditioning vent on a hot day; it might be attenuated by removing obstructions to airflow -- such as the screen-vent panel of your case, but this requires cutting part of the case away, and raises issue about safety and fingers.
The other noises can be attenuated to this or that degree by applying a noise-deadening material to the fan-housing, like Spire Acoustic foam. Best avoid putting the Spire rubber panels all over your case interior, because the adhesive is so good that it is difficult to remove. Best bet for this less-focused approach: cut a foam-board panel the size of the Spire pad you want to apply; stick the SPire on it; use dabs of silicone adhesive or Pit Crew's Choice adhesive to apply the foam-board side -- congratulations, you just increased the noise-deadening capability of the Spire alone and made it easy to remove.
Just as an afterthought, if you can cut the tips off the ends of a child's 5-inch-long "Nerf" football, you could glue the proper diameter of same to the fan hub side that is fixed to the fan frame and shroud. Or just cut some circles from a Spire pad and stick them on there. I tried this, and I THOUGHT I heard "improvement." You'd have to decide yourself. But at least the Spire pieces are easier to remove from a fan hub than an entire case side-panel.