I have a CycleOps Fluid Squared and it is quiet. I waited for the LBS's 25% off sale. You can do the same with REI (they run 20R% or 25% off sales a couple times a year).

I switch out the back tire and I haven't gotten fast. It is a pain in the a$$. However, when I found out the cost of getting a separate wheel, I decided I'd rather wrestle with changing the tire.