The chipset doesn't run hot and the fan generally doesn't come on unless you are hitting it really hard with most MB. I have never noticed it on my gigabyte x570 master. People need to calm their breeches over the damn fan. Also you don't have to buy a $700 MB. There have been x570 boards as low as $150. It is not something unique to AMD. Intel also has stupid expensive MB.Chipset fans on the motherboard? Not in the last 10 years, and not now. Taking a hard look at AMD's boards since Ryzen seems actually good it's the same damn problem that it has always been. AMD makes a good chip but what are you going to run it on? You could go for a B550, but that seems like a halfway solution for a 3900, which is the only chip that really comes close in single thread, or the x570 that has a fan on the board. Call me old but I've always taken a fan on the board as a sign that it runs too hot and with age that board will need to be replaced too soon. Maybe that's not the case here, but it always has been in the past and I just don't trust that junk. $700 for a motherboard? I mean... what does it do besides not have a fan that justifies that price? Sigh. I'd love to find a board for AMD that I thought really checked all the boxes but right now it looks like that's going to have to wait until x570 has more fanless designs or we get a new chipset that doesn't run hot. Just to make matters worse that damn fan is placed right over where your video card is going. So if I wanted or needed to pull that fan I'd have to use a replacement (that will never be widely available) or get a makeshift flat heatsink to put there that probably won't do the job or they would have just put a heatsink there in the first place.
Sigh... just no. Same old story.