I got the base model Max with 64GB RAM. If you adjust the fans to 1100 rpm the noise is inaudible at working distance. I recorded with my iPhone, 35 cm from the Studio. First part of the clip with the mac off and the second on at 1100 rpm. At the end dropping a pin at next to the mac (at the height of the machine). Noise level at the recording distance, 26dB with the machine on. However, with the fans at 1300 rpm there is a slight whine audible in the third part of the clip.
Regarding the amount of RAM. Caught mine using 38 GB yesterday, running about 10 hi-res images in Affinity Photo, Ableton (few plugins), Node, bunch of tabs open in Firefox/Chrome.