You could put in a 24v fan and as long as 12v would kick it on it would spin at 1/2 speed. Anything lower than a 12v fan could burn out from the extra voltage.
www.bigfootcomputers.com has a good selection of 12v fans, some really quiet ones too. If noise is a concern I would look into spending 5-10 bucks instead of a cheapo $2 fan that probably won't be much quieter.