Well turns out you can get quieter and cheaper fans on e.g. Mouser or Newark that are 24V compatible. They let you sort and filter by size, voltage, noise level, and volume per minute so I found the quietest possible fans that still move roughly the same volume of air as the stock ones. The price was half to a quarter of equivalent Noctua fans (excluding converters) at that time.
From what I hear (pun intended) Noctua makes a great product both functionally and aesthetically, but don’t overlook industrial suppliers either.