For the best overall 120mm fans, get the NF-A12 if you can afford it, otherwise go with the (NF-P12) and not the similar F12 series
If you want the 140mm model fans then get the NF-A14/15, these 2 models cannot go wrong.
Now for the PSU, if you are afraid about going fanless then go Bequiet, its as quiet as it comes in the market.
If money is a factor or if you are not willing to fork over 200$ or more then do what i did as a test run, rip open the PSU shroud and remove that loud fan inside your thing and then drill a hole through the side of that metal plate. Afterwards remount the thing with the noctua fan in it and then run the fan wire through the hole into your motherboard.
Now you can control the fan speed according to your preference.
As for the Arctic Accelero IV, i own one of them and its good no question about that, but is it worth dumping that much money right away?
I say not yet until you try mounting a new fan to your MSI cooler first.
If temps aren't good then buy, if its manageable then buy a VGA wire and you've saved money