Cheap models are for people who don't have any expectations apart of card just working.
LOL! That's complete bs. That's probably the worst analogy I've ever heard regarding GPUs.
The expectation for consumers is, always has been and always will be, that a new component regardless of price point functions properly out of the box, period. Noone buys a $5 or $600 GPU believing that they will just have to deal with flaws because it happens to be at the lower end of the stack. That's ridiculous. If a part is bad you return it. Simple. It's not the consumers job to spend hours, days or weeks troubleshooting flawed components.
Segundoh, if your GPU fans are making these abnormal noises and you've succeeded in isolating it to your GPU. What you've described is generally an early sign of impending failure. Your hearing isn't impaired. And NO it isn't normal for any card to make those noises. SEND THAT ***** BACK and be done with it.
You have done your due diligence. Far more than you should have imo. There is no reason for you to settle with a flawed component while you are,
A. Within the retailers return window.
And
B. Still carrying a perfectly viable warranty.
Use one or the other.
Like I said, my Asrock Phantom Gaming D 6800xt is dead silent. Until it hits roughly 60 to 70%rpm I cant hear it (in a silence optimised build). I've installed 100s of videocards over the 20+ years I've been building rigs (for myself and clients) this card is by far one of if not THE quietest I've ever installed. So obviously our friend #22 is gravely mistaken in his advise to you.
Return it. If the return is flawed in ANY way...return THAT. You paid for a 100% properly functioning GPU, accept nothing less. You deserve at least that right?!