Depends how big the fans are. Tiny 1U rack-mountable hardware = lots of noise; huge fans = near silent with better heat removal capacity.

No. Up to you to cool. I use an Epyc based system as a home server and you can’t hear it. At a previous employer we built a cluster out of these and just water cooled them. Very easy.

This is a chassis and fan problem not a CPU problem. Some devices do need their own cooling if your case is not a rack mount. E.g. if you have a mellanox chip those run hot unless you cool them specifically. In rackmount use case that happens anyway.