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Why not just XP-120?
120mm fan with adapter might have marginal gain. You gotta remember that even with same air flow, smaller fans tend to have higher pressure it can passthrough just due to nature of their spinning speed ;P
i saw xp-120 but i don't feel like shelling out another 50-60 bucks on something that is slightly better than my sp-94. Reasons i want a 120mm fan is because they are really quiet and push a lot of air.
A 92mm Panaflo has hella air flow and is very quiet considering the CFMs that it pushes... just make sure that you get a RPM sensing model.... also bear in mind that they make low, medium, high, and ultra pressure fans
well i have an enermax 92mm fan set on highest speed now. It's quiet but its the loudest fan in my case. If i could get something that pushes more air and it's as quiet or a little bit louder i could tollerate it.