Noise is friction, and friction eats motors. The rattle you ignore this winter is the seized motor you replace next winter – at several times the cost of the early fix. Worse, many households respond to the noise by simply not running the fan, which trades a mechanical problem for a mould problem in the same month.
There is a comfort angle too: bathrooms next to bedrooms, fans that run at night, light sleepers. A modern low-noise unit is dramatically quieter than a 15-year-old builder-grade fan – many of our noise callouts end with a delighted customer who had no idea fans could be this quiet.