I misunderstood you at first. For quiet fans during gaming, I don’t know. You might need an entirely different computer. For problematic web sites, that’s not been an issue for me, but I could see capping PPT at some low value and getting by like you’re describing (PPT being AMD’s name for TDP, maybe measured from a different place?). I see a fair bit of talk here in the forums about using RyzenAdj to do that. Framework 16 Thermals - #11 by Mario_Limonciello for example.
But yeah, the fans do spin up when the CPU starts processing. I’ve had it be relatively quiet doing a significant amount of compiling on battery in “Power Save” mode, so, whatever the power limit was set to there, if you went 5-10 watts below that, you might keep things pretty quiet all the time, if also underperformant.