I never have any problem telling if my fan is on. It's electric and wakes the dead! Heads always turn when I drive by from the racket. I'm thinking I have to look at what's going on under the hood. Maybe a aftermarket fan will be quieter. Also, my car overheats on 30C days in traffic with a/c on. Not that I ran the a/c much this year; trying to increase my mileage.
Now with new driving techniques, my fan doesn't engage before I get home from work.