Ummmm... a little "aifrlow" lesson, if I may....
More fans is not always the answer. Often less is more... especially when cases are getting smaller and people are increasingly outspoken about noise.
In some instances I would definitely agree. In my opinion it does depend on the hardware inside the case, including any overclocking on top of that.
After realizing the mistakes with my first case purchase I bought a mid-size Antec case, it came with a single 120mm on the back below the PSU. While very effective, the case still cooled better when I added a second 120mm intake on the front, and it also helped improve the airflow by disrupting the bubble of heated air underneath the GPU.
A good example of what you're talking about could be one of those cases with a giant 250-300mm fan on the side... the airflow from those just doesn't go anywhere. They create a cushion of air that hugs the motherboard and insulates it from the cooler air that bounces off and gets drawn or forced out the sides of the case. They most often tend to cool components worse than two or three 120mm fans in a push/pull config.
PC cases, by design, are intended to draw cool air into the least occupied part of the system (lower front) move it through the entire case and then push it out from the hottest part (power supply). The thermal solution in "tower" cases relies upon a slight depression (lower air pressure) inside the case to create eddy currents that disperse themselves throughout the case, mixing air to provide more even cooling.
This is true, but some manufacturers have tower designs that are no longer designed around solely this principle. Quite a few cases in recent years have been designed around having a positive internal air pressure, while others focus intake fans to breakup deadzones that are otherwise created... One reason is to use your single rear 120mm fan scenario, a single high-end GPU that doesn't exhaust any heat out the back of the case will quickly create a hot spot underneath itself that can grow far hotter than even the PSU exhaust at the top of the case. It just comes down to the hardware in the build more than anything else. In your example you use a passively 8400GT, and that's almost as cool a GPU as one can get.
In fact most computer cases can be adequately ventilated by the fans in the power supply... and FWIW that is why the case design positions it at the upper back of the case. For computers under heavy load an auxiliary fan just below the power supply is usually more than adequate.
A single Pentium 4 and an ATI 9600XT will get way to warm with just a 120mm exhaust fan, forget about removing that and going with just a PSU fan to vent the entire case! Such ideas were practical when CPU's didn't need fans, but today only highly-efficient SFF builds could get away with the PSU cooling the system.
More efficient and cooler running hardware can be had today, but the average computer is going to require more than a single PSU fan by long and far. Especially as the average computer owner almost never blows the dust out of the PSU fan until after the machine has overheated and shut down a few times, or a component in the PSU cooks itself to death.
Also you shouldn't put filters anywhere near fans, ever. The intake of a fan has to represent the lowest air pressure in a system. Anything that inhibits that, even slightly, is going to severely reduce airflow and affect cooling throughout the entire case. Air filters should be used only on passive air intake ducts where they catch dust before it gets inside the case.
I would agree, it's not optimal and does wear out the fan quicker to place a filter over it. It would be best to have at least a full inch of open air in front of any intake fans to minimize disrupting the low air pressure they create, and the best possible solution would be to use any filters as a passive intake duct where possible. But it is not always an option.
Does it not strike you as just a little odd that in order to improve over the "low end" solution of 80mm fans in the power supply and case back, you have to go to multiple 120mm fans placed all over the case?
My current case is an older version In-Win mini tower. The only air intake on it is on the front of the case. The only exhaust air is the power supply fan. The system is an AMD X64 dual core 4200+ running a mild overclock at 2.4ghz, with the supplied cooler, on an Asus M2N micro-atx board with an Asus passively cooled 8400 series Nvidia card... And yes, I have a scotchbrite pad over the intake... The chipsent runs warmer than the CPU at 38c. The CPU even under full load while rendering video or compiling code never gets over 50c.
Such a system would be sufficiently cooled by a PSU fan, but that's about as cool running hardware as you could expect to find short of buying power efficient CPUs, or someone that underclocks and undervolts their hardware and runs an IGP. For quite a few years Dell multipurposes the CPU's 120mm fan to double as a case exhaust fan in their desktops. Another issue is many enthusiast PSU's keep their fans running at very low speed, far to low to effectively cool the entire computer let alone properly cool the PSU components.
Many times the big, impressive, expensive and noisey cases we see in use today are nothing more than a way of getting deeper into your pockets. Think about it...a $300 case no matter how flashy and dressed up, is still a rectangular box, dimensioned to fit the same equipment as that $79 cheapy is... How much better can it be??? If we are arguing over 2 or 3 degrees, we are wasting each other's time, my friend.
I don't know about others, but I don't buy cases based on 5 degrees. Once they meet my airflow requirements I look to the features and what I can do with such a case. I'd have to say most people buy cases based on features and ease of use.
While I agree that in machines under heavy load a somewhat different cooling solution is often required. Water cooling, ducted cold air, etc. I have a couple of servers where I've gone some lengths to keep them cool... But these are on 24/7 with average CPU loads of 75 to 80%. The average "sitting at my desk typing along" user doesn't need anything even remotely so exotic... In fact, even gamer systems often don't need half the fans people put in them.
If everyone used GPU's cool enough to run passively, then sure. I remember my first 8800GTS... huge chunk of metal, really felt like a brick. Unfortunately regardless of the cooling it always got hot enough to burn skin if you touched any part of the metal not hidden by the plastic. Even at
idle it was to warm to comfortably touch. Recent GPU's like the GT200 series, HD 4800 and HD 5800 series are no different.
I can give you a good argument against over-cooling.... Just walk into an office with 20 computers running 4 or 5 fans each. Just the noise is enough to change your mind on the issue. In fact, it might even explain why some people "go postal"...
Number of fans doesn't have to equate into decibels of noise... an office doesn't look at fan speeds or cooling efficiency when buying their desktops. If I replaced the Delta fans in my case with 9 Noctua's it would be truly silent even with the AC and everything else turned off. Presently I can only hear that it's running if the room is dead quiet as it is, so I haven't done so.
Some poeple go postal on their fans, but that's their choice to do so... if I wanted to go nuts I'd raise the fanspeeds in order to run at 4.4GHz all the time. Personally if given the decision I think 200MHz is an easy sacrifice for a quiet, well-ventilated system.