I've got two of them,,, V4's.
The only time I notice the whine as "loud" is when in the mountains going up a long grade with a load (me & wife or me & wife and pulling trailer). Probably pushing 3rd gear. But I know what it is,,,so,, ok.
Otherwise, sometimes I may notice it very lightly on a local ride but not loud or irritating.
But when I do hear it, it sound like percision gearing, not some grating rattle.
I'm good with what I got.
If I had it to do again,,, I would have 2 of them,,, V4's!