The pump is not audible. The fans are, of course. But they are not disturbing. A maximum speed increase can occur briefly if the PCU gets too hot. Your personally set temperature targets and schemes (via BIOS or fan control software) naturally play a role here.
The pump doesn't make any noise but the fans do (a lot of noise under full load). I use Libre Hardware Monitor to monitor the rotation of the fans so that I don't get too much noise.