The
NVR5216-16P-4KS2E its the goto NVR for many. I've installed 3 and is my default recommendation. I'm the worst person to ask about the noise, personally I think the complaints are overdone. But if it was sitting beside you I suppose it may wear on you. Mine's 25 ft away in an open pantry and I don't hear it.
Lots of threads on the fan mod just search around, I've not done it sorry.
As far as PoE vs external switch, thats mostly preference and somewhat dependent on your knowledge. Non-PoE NVR's do allow you to put a switch somewhere else and run the wire to it instead of the NVR (of course you still have to get a cable to the NVR regardless). I've not actually used the direct NVR interface on mine since the day I installed it as its easier and better to manage it via web browser from anywhere on your network, so it doesnt matter where you put it as long as you can get a network connection to it.
NVRs with built in PoE like the one mentioned do add a layer of security as the cameras are placed on their own subnet. The downside (if you can call it that) is that you must access the links to the cameras via the NVR interface vs directly if they are on an external switch. Ultimately its another whopping 2 clicks in a web browser...
You end up at the same camera web GUI either way but you lose the security layer with the external switch.