No matter what people say about the fans running, I always come back to this review as it's the most empirical one that exists. It's often the case that a random person says, "the fans aren't an issue" but the "load" they are placing on the machine are 3 safari tabs and a youtube video. 45dB is unacceptable. I have an electric fireplace that runs at 48dB and that is audible 30 feet away. Anything close to that is reprehensible, even if it were half the loudness.
Yeah I come back to my work in Noise, Vibration and Harshness (NVH) for a few of the platforms we use at work. I'm not an expert, I'm a user, but the experts helped me understand db(A).
For every anecdotal account of 'seems quiet to me', you have to go back to the data. We don't have a lot of it, but the 2020 MBA it is objectively hotter and louder, more often, than the Macbook Air that came before it, the pre-2018 Macbook Airs, and the current base Macbook Pros.
I think a lot of the 'mine is quiet, everyone is wrong' comes down to two factors.
1) They're coming from older Macbook Pros, or even modern higher specced ones, that were more audible more of the time, or
2) as you say, their use case is 3 Safari tabs and a Youtube video.
I mean, my use case was 3 Brave (Chromium-based browser) and a Youtube video. The same use case on the 2019 MBA is silent running. On the 2020 i5 it was 5000rpm most of the time, on the 2020 i3 it was 5000rpm some of the time. Apart from this translating to first-time-ever-heat-discomfort in a Macbook Air that I've used on my lap, both 2020 models I tried were noticeably louder than previous generations.
A lot of people keep making apples and oranges comparisons. It might not be as loud or as hot as what you're transitioning from, but
for a Macbook Air, this generation represents a large step backwards in cooling and noise emissions.
Bringing up this point isn't to say it's a broken, crap machine and you should return it. If you're happy with this, go nuts - for a lot of people coming from Macbook Pros or other notebooks, this'll be the quietest, coolest thing they've ever used.
But this is the loudest and hottest Macbook Air ever released. I thought the above data might be incorrect, tried it for myself, and it was confirmed. Given that the size difference between the Air and Pro is now pretty neglible (apart from the wedge design), Mac users who value cool, quiet running would be better served at the moment buying a base model Pro.