I think the lowest speed would be also okay. The problem is, the fan gets loud even when I'm watching Twitch on source quality or YouTube videos with 720p or 1080p.
Hmm. Can't say i've noticed that on mine? I can't even really hear the fan is on until it gets above 2500 rpm, which is rare. I do watch a heap of youtube with it.
The retina fans are definitely way, way better than the fans in my 2011 MBP. So much quieter.
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My advice is to leave the fan speed alone, I used to build my own computers when I was a devoted Windows person and there's a reason the fan speeds up. I personally would get some nice noise-cancelling headphones and be down with it.
What can sometimes help, which may be worth the OP trying, is to have the fans run at a low speed (instead of "off")
before they're required to prevent the CPU/GPU getting hot in the first place. with something like iStat menus.
The default fan behaviour on apple gear seems to be to try to keep the fan OFF as long as possible, then crank up way high when it gets too hot. Having the fan run at say 2500-3000 rpm may be enough to stop the chip getting hot in the first place, and remain quieter than cranking up to 5000 or whatever it is doing now. This used to help a little on my old 2011" 15" machine.
edit:
OP: do you have a 15" with discrete GPU, or 13/15 with integrated? Given my 13" rMBP with integrated doesn't seem to do this, you could also maybe try disabling the discrete GPU to save heat. Apple's GPU switching is a little retarded at times; it's nowhere near as bad as it used to be, but it often turns the GPU on simply based on what an application is trying to do (e.g., flash), when it would quite easily run just fine on the integrated GPU, consuming far less power and generating far less heat.
In Windows, you can save a lot of heat by setting your power profile to "balanced" or "low power" (or whatever its called) rather than "performance". Windows then limits clock speed (and thus heat generation) on your CPU/GPU. I used to do this when playing Borderlands 2 on the above 15" machine and it made a huge difference to fan noise.