Thank you, DPJ. I just did a test the same test with MacBook Pro 15 that works on Mojave and yes, sound a bit different. There is option to reduce noise and it really works there. I can't hear any noise from coolers, but on new MacBook Pro 16 with Catalina I don't have that noise reduction feature and sound has all that noise from coolers sadly.
I thought that I could speak normally through applications like Skype, Hangouts, but everybody hear that big noice from coolers and I had no that problem with MacBook Pro 15.
Of course I can buy external microphone, but taking it with me everywhere - I don't feel it convenient. I hope Apple can return that noise cancelling feature.
I fully agree that without enabled noise reduction on MacBook Pro 15 sound is worse than on MacBook Pro 16 and has almost no low frequency sounds, but for a discussion through Skype it's exactly that needed.
Made a comparison 16 vs 15 vs 16+Krisp app:
https://www.youtube.com/watch?v=NabWZpx9LZs
I don't like Krisp as well, because it reduces quality a lot (on MBP Pro 15 it was reducing noise, but quality was ok).
Tested many times using iPhone as sound source above MBP Pro 16 mics and I think noise reduction actually always works a little bit, but it's not designed to remove cooler noise, only to make needed microphone polar pattern.