I accept what you say completely, but the iMac is an AIO machine, it has specific temp sensors on the drives so you would have to get one from Apple anyway or use tape and muck about I would imagine, also many other AIO's are equally impossible to work on, its the nature of the machine. If you want to exchange hard drives and graphics cards the Mac pro really is your choice right now.
I am lot in love with my Mac, it just works well and I am happy with it, but I bought it knowing I could not easily upgrade internals, I knew my purchase was awkward in that respect. My days of replacing drives went a long time ago, I am disabled and this is all I need, if anyone though is looking for the upgrade path then the iMac is not the machine for you, unless you are adventurous or just want to upgrade ram, Its that simple. Come on you cant change a battery in an iPhone easily either and you can not change CPU's in any of Apple's machine as far as I know, and I doubt they will ever give us that ability and that's fine with me, if others want that then...well they have choices or can let their feelings be know to Apple. As far as hard drive noise that's always going to be subjective, our homes, work places and hearing is all different. 🙂