I suspect that most of the cars that have the loud fan noise have reversed condenser lines, and left unchecked this problem may cause an early compressor failure.
My compressor bit the dust at around 20k miles, shortly after the reversed lines were corrected. Interestingly, it was still possible to drive and charge the car (at reduced rates) without a working cooling system (I made it most of the way from LA back to Reno). But with metal shavings from the compressor failure spreading throughout the cooling system, the car was seeing isolation faults. The message on the dash said something to the effect of "car may not restart at the next stop." It appeared intermittently, and I was still able to make several charge stops, but ultimately the car would not shift into Drive after a dinner break.
The Reno service center had the car for about a week, replacing the chiller, compressor, fan assembly, lines, and a few other things. It now works perfectly. The A/C blows colder than ever, and the cooling system fan is as quiet as my P85D used to be.