Laptops are a trade-off between space/portability and performance. Most manufacturers today design around the loud (haha) majority that complain about fan noise, so the solution is to heavily throttle the CPU so it never gets hot enough to run the fan.
ThinkPads are notorious for doing this. Your X220 throttles the CPU down to 800 MHz to achieve sub-40 dbA fan noise (source). Fanless units like Chromebooks or Macbook Airs achieve this by using low-power and/or high-efficiency chips, combined with throttling.
If you’re pushing the Framework laptop, it will get loud. And this is a good thing, as it means you are able to get the expected performance out of the CPU you paid for.
However in my experience, during normal usage, the fan almost never kicks on and when it does, it’s barely audible. On Windows you can specify power plans to limit the CPU to prevent the fan from ramping up as often. On Linux you should be able to similarly adjust fan curves to your preference.