I have a 300 illusion and a 900, bit sit up on the desktop next to the monitor. I run all 4 fans (2 front, 1 rear, 1 top) on low on both cases. Running the fans on low means I hear the hard drive clearly when it starts grinding data. To me that is not too loud.
You could always install and run it without any additional fans and then go get one ($10-15) if you have temperature issues. Getting just one front fan to get airflow going would be another good option.