If it’s Windows, FanControl. In the BIOS, ASRock’s the best I’ve used with AM4 for custom fan curves, though MSI’s not bad. Asus B550 was little better than what you’re describing.
For quiet 4070s, PNY XLR8 and MSI (I forget exactly which but IIRC the really big Trios are are quietest) are good starting points. Anecdotally, PNY seems lower risk for coil whine. Generally the lower the power, the quieter. See TechPowerUp’s review data.
Changing out the supply to one with a wide fan stop range, such as RMx or Leadex VII, is an option. I’m unsure how much Super Flower designs for noise but Corsair’s usually pretty careful. If the Pure Power’s not clicking it’s not really needed (and if it is you could RMA).
Staying mostly under 20 dB(A) until the GPU’s spun up should be no problem unless your ambients get fairly high. Might need to change the Dark Rock to like a Phantom Spirit 120 to hit that, though. I’m not aware of good data on AIO pump noise. Or on D5s, for that matter.
The ML140s and the fan suggestions you’ve gotten are ok but I agree it looks mainly a control issue. Silent profiles in the recent-ish BIOSes I’ve worked with start from 50% PWM whereas, with custom curves, I rarely set more than 40-50% max with typical fans. That’s on builds utilizing 850 or 1000 W supplies, though they don’t run in ambients over 30 or so.
See HWCooling and QuasarZone for on application, noise-normalized fan measurements across levels, though. Arctic P12s are cheap, hard to beat unless you happen to hit their hum, the Rev 4s support fan stop, and with FanControl or an equivalent to catch IO and GPU bound workloads, it’s feasible to stop the intakes at light load.
Uhh, they’re pretty likely worse. Ask me how I know… 
Ok but getting dated. Lancool II for air cooled, III for a 360 top rad. If you need to keep the BluRay you’re pretty much forced into Pop Air, though, with adverse consequences for GPU airflow (Fractal doesn’t believe in shroud open area, I guess).
Montech Air and Antec Flux look promising to me but I haven’t built them and there’s limited data of good quality.
Possibly Fractal North if you don’t mind overpriced, underbuilt, and maybe choose a GPU short enough to flip the intake fans inward. (The Torrents’ 180s are 16 dB(A) min, so 19 dB(A) for a pair, and thus poorly suited to a quiet build.)