SSD will do garbage collection when idle even if they don't have TRIM. TRIM is just active garbage collection. Windows 7 already has it built in and so do the server operating systems. It's strongly recommended to not defrag SSDs.
Also about the fans, there's ones that you can barely hear. Out of the big 3 HP, Dell, and Lenovo. Lenovo tends to have the highest quality and that's reflected in their price tag ha. But if you want a quiet computer, you can swap out the fans for Scythe Slipstream fans or SilenX fans. You can barely hear them. There's also passively cooled heatsinks. Usually very large, but no noise.
I just did a crazy build where the computer was cooled using full oil submersion in a fish tank which was in another fish tank filled with fish. (I know, I get the craziest requests sometimes ha.) I also put 4 meters of red and blue LEDs in the fish tank. The guy was just speechless when he saw it in action. He thought it was some kind of prank. That computer was dead silent as well.
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