I can take it or leave it for the sound, but my wife likes the fan for white noise to drown out extraneous sounds which disturb her ability to fall asleep. I like to feel a breeze, so that works out fine for us both.
My ex-girlfriend needed a fan (or fans) blowing right on the bed, and it was a typhoon in that room! It didn't stop me from sleeping, but it was very unpleasant when getting up in the middle of winter, with the room very cool, and then to add an interior gale-force wind, made me about freeze to death trying to get clothes on.
Charles