Both my Aguilar amps have pretty noisy fans, but I usually can't hear them over the tinnitus. Both amps run very cool even when cranked up so I'll accept a little noise.
I'm used to the background noise of a gig so I can zone out a little amp noise when playing at home. The amp is over 6 feet away, which also helps.
Agedhorse has also posted on TB about disabling or changing the fan. Don't do it, because it invalidates the warranties, invalidates the Government safety standards the amp was built under and it may become a fire hazard.
If anyone really can't live with the noise of their amp when playing at home, the only options are to buy an amp without a fan, or a headphone amp.