Mine is quiet. No headphones. I hear it whirr a little from time to time, but that's it -- nothing disruptive, and certainly nowhere near the jet engine noises that others are describing. Plenty of people report the same (seems to be plenty of people in both camps).
From following discussions on this at other forums, there seems to be a bit of a lottery with regard to whether you get a loud or quiet unit, which does speak to some quality control issues, or at least a variation in loudness levels. It appears to be luck of the draw, as to which type you get. Some people talk about various fixes, but I haven't seen anything definitive.