Talked to WFCO/CHENG USA Tech Support ((574) 294-8997), according to them the internal cooling fan has three speeds: low when the draw is under 10amps, medium when around 20amps, and high speed when draw is 30amps or higher. Also according to them the fan is pretty much on all of the time with the speed (and my ability to hear it) depending on the load.
This would explain why I don't hear at all while in bed, all lights/appliances are off = little draw. And do when up and about with just about everything in the TT going (lights, fans, TV, etc) = high load.
So, I think all is well.