I think most people would regard the fan noise on the SP3 as quiet, very quiet. There has always been a minority of users though who have thought it very loud. In most situations the fan shouldn't even come on. I can't recall hearing the fan in months on mine or if it came on I didn't even notice.
I typically have calendar, Outlook, Word, People, IE, and MYOB, along with OneDrive open.
I have heard though that Google Chrome is not as low on resource usage as IE but I'd still be surprised if it would make much difference.
Interestingly just as I said I hadn't heard the fan in months, it cut in, I wasn't sure what it was and had to have my ear closer to the Surface to hear it. It looks like IE taking up 33% of the CPU, God knows why but that's Windows for you.
I don't know maybe the fan does cut in more than I thought but it is that quiet I don't notice it.