My Legacy K4, 6-11327 and my two PRR U-Boats are plenty loud, I don't see any difference that is significant between those and other locomotives. My single issue is with the loud smoke fans in the U-Boats, something that will get addressed one of these days when I get around to taking them apart. If the smoke unit in the K4 is making noise, I can't imagine that's a difficult fix if you're willing to remove the shell and swap the motor. That job should be a 15-20 minute job as a rule.
Working on the steamer will be easy. I'm going to order one of the replacement motors next week. As far as the U-boat is concerned that shell is very difficult to remove. I tried on mine removing the two screws in front and back but the shell would not budge. Called Lionel to ask them where the other screws are and they insisted that I send it to them for repairs. What a disaster that was.