Needs some hysteresis. Something most custom fan speed curves lack is a hysteresis option. Basically for short loads don't ramp the fans up to full blast just because the CPU got hot for 0.5 seconds. Liquid coolers aren't immune to this either. If the pump speed is low then it has to start ramping up. And pump noise equally drives me insane.
Like OP said Noctua fans are basically magic. I have mine set with a very not aggressive curve and hysteresis so I rarely notice them ramp up and down.