"Overclocking sucks"? Wrong place to post that, my friend.
I had some loud fans as well. I bought a Global Win FOP38 with a 60MM delta fan. Sounded like I had an F-14 taking off in my case, with the sides on! So I popped it off and replaced it with an 80MM Sunon. Now, except for the LEDs and my front mounted fan, I can't tell when my PC is on. I have on 80MM fan blowing in on the front bottom, two 80MM blowing out of the back, one 80MM on my heatsink, a blower fan in one of the expansion slots, the power supply fan (duh) and a 5.25" bay that has two fans that blow outward. And it's QUIET and cool. My system temp is usually about 25*C.
And if you're serious about overclocking, you're going to void your warranty. There's no way around it. If you're worried about that, buy a faster computer and have done with it. Overclocking is only for the brave or stupid. More than likely, you're going to fry something. Such is life. Most (not all, but most) computer parts are relatively cheap right now. AMD processors are cheap, memory is dirt cheap, mobos aren't bad. Mostly all you're going to burn out is your processor. And right now, AMD is cheap. VERY cheap.
As for all the fans, it depends on what you're looking for. I've seen some hard drive coolers that have both a heatsink and a fan. And they're small[/2] fans. Sure, you can mod them and have bigger fans, but the small ones should work well enough, and not be too loud. Video card cooling is only a concern if you're overclocking it. Most video cards already have sufficient cooling at stock.
If you really want cooling without much noise, look into watercooling. The front page has some great articles, and links to places where you can buy watercooling equipment. Danger Den
has some whole watercooling kits. All you have to do is add water. And some even have two or three waterblocks, so you can cool your processor, video card, and mobo chipset. And other than the fan on the radiator, that's it. Three chips cooled, and only one or two fans. And depending on the fans you get, they don't have to be too loud. Sunon and Antec make some good fans that are real quiet.
More fans doesn't always mean cooler case. If you have good airflow, two or three fans in the case should be plenty. If eight fans isn't cooling you enough, then you'll probably want to reevaluate your case setup and location. Or look into alternate cooling, such as a waterblock with peltiers, in an extreme case.