I have a solution!
You are right about the fan noise being abnormal.
I just bought a used 3070 aorus master, and the fans were too loud to sit next to it.
It being used and out of warranty i went the extra mile to repair it.
Luckily i was successful with replacing the bearings.
You need 6 3x8x4 size bearings, ~1$/bearing
I would buy the budget one if you plan on selling the card in a year, but buy the premium for 3 times as much if you plan on using it long term. (Gigabyte uses the cheapest there is, and it lasts for around 2 years 24/7 use)
you can do the repair with an ifixit kit, or some very small screwdrivers.
If you need help contact me