> If you run computing hardware at its thermal capacity for long periods of time, this will cause more wear on the parts than if they are run well inside their limits. So I have a moderately increased likelihood of, at some indefinite point in the future, having to spend a whole $35 to replace the Raspberry Pi. I can prevent this by spending extra money (and time) up front. In some cases, it might be worth it. Maybe…
I would accept the shorter lifespan just because of the fan noise. Small and cheap fans are very noticeable in otherwise quiet rooms. I'd hate it.
Regarding Raspberry Pi specifically, larger, slow-moving fans tend to be quieter than smaller, fast-moving fans. The Pi is compact, so a small fan would be the natural choice.