I don't know what to say without hearing your unit myself. I just shut my computer off to give my unit a good listen. It was 5pm, I'm not near any particularly noisy streets, no noisy neighbors, nearest street that has any traffic on it is 1/4 mile away and at a lower altitude.
The dripping of my bathroom shower faucet, the rattling lid of my steam cooker 1 floor, several walls, and 30 feet away, the occasional creak of the house, and the crickets outside are as loud as or louder than the fan of the JVC. I will admit I can hear the JVC's fan, but I can hear all those other things as well. With music louder than the threshold of perception, I simply forget about the fan noise. But I will concede that at threshold of perception, I can definitely hear the JVC. I can also hear the crickets and the steam cooker and my faucet dripping and the occasional cars on the larger street.