Yep. That's how mine runs. My pc is way louder and I've set all fan curves, have all be quiet fans etc
My PS5 is also silent. But I removed the shitty Nidec Fan and replaced it with a NMB Fan.
I'm not saying the PS5 is dead silent but if it's as loud as the PS4 Pro that isn't normal.
The biggest complaint about the acoustics is the coil whine which I understand may not be covered by the warranty. But a console that suffers overheating issues that causes burns on the cover certainly is. Someone that sells it second hand either broke it himself or is just making up the issue. Pretty sure contacting Sony will fix the issue since it's abnormal for a PS5 to heat up that much.
Edit: Assuming someone sold the console with those issues without informing the person whose buying it. That's a scam in my eyes.