I hoped to avoid consoles for nearly all of this generation but the latest TR controversy has driven me to get a ps4. It was always unlikely I wouldget an xbox after the poor start and PR but the thought of supporting something that Don Mattrick has been a part of makes me feel ill. I am fast becoming a fanboy, which makes me sad.
I went from 360 to PS4. I've played my friends Xbox 1 and I prefer my PS4. VERY quiet, from about 7 feet away I cannot hear the PS4 on. I've sometimes left it on accidentally and hadn't noticed because it is so quiet.
The CD don't circulate inside the PS4, it's scannet from inside. So it doesn't do that scratchy noise the PS3 would.
And so far, I'm more than happy with my PS4.
Don't know about xbox though.
I am literally like 18inches away from my PS4 and i have never heard it. I have played or watched shows on it for at least 5+ hours without hearing anything. Also I noticed you said some games, so get Destiny (when it comes out) and you will be playing on it a lot more.