Yeah, I tend to agree with you.
If I was to do it all over again I would get :

1) the Zalman CPU cooler
2) Those zalman Fanmates to control the RPM of the case fans.

That's it! The PSU I already owned turned out to be very silent in the first place.
With all the case fans turned to half their normal speed, they're barely noticable while still providing adequate cooling for my system.

Now, I some company could just come up with a way to silence those HD's I would be totally happy.