Thermal on my i7 xps13 is abysmal. Never again.
The fans do spin up and they're audible, but not louder than my Thinkpad or any of the Macbook Pro's we have at work. It is dead silent unless I'm actually doing intensive work.
It seems people have a lot of issues with older models though, so YMMV.
It's quiet if I have it in "silent" mode, but then I might as well be using a 350$ machine, as far as performance is concerned.
Maybe you have a slower CPU, or they fixed the thermals in your model?
The fan is running at around 10%, barely noticeable.