Hate to say it, but trial and error.
Fan reviews are useful to distill fans into a price/performance curve but the actual tone of a fan and how annoying it sounds is a function of
- your unique hearing curve - since frequency sensitivity varies person-to-person, and for an individual as they age
- your case (ie, how many reflections and interactions do the sound waves have to make to escape your case)
- the fin density, dimensions, and layout of the radiator you're using
- fan RPM, since the transition from laminar to turbulent flow will depend on your RPM and to a lesser extent the SPR of the radiator/heatsink.
Turbulent air is typically desirable through a radiator for breaking down insulating boundary layers, but undesirable from the trailing edge of a rotor's vane since that just wastes energy as white noise.
What reviews can tell you is stuff like motor noise. If you buy powerful fans that have a loud motor at lower speeds, then never run those fans at max RPM, you're both wasting the fan's potential, and suffering the additional noise of a growly/loud motor. The biggest loss of performance to avoid at all costs is ring lighting that eats into the fan rotor diameter. Having hub-LEDs isn't too serious because there's no meaningful airflow from the vanes near the hub anyway.