I have had my imac 24" about 6 months. My fans ran 90% times at 1200,1200,700.
CPU fan would ramp slowly up to about 1500ish after the cpu temp went over 55c.
My temps were about
cpu 40c
hdd 55c <-- that was worrying.
ambient 25c
psu 60-80c <-- that was scary
Well, i tought, apple knows what they do, so i did not speed the fans on my own...
Guess what? My mac failed to restart one day(6 months old) and it made "tick tick" sound (head crash). I realized it was the HDD failure mainly because of the temperatures. Repair diagnose was "bad blocks on the HDD, and for my suprise also a burned PSU" !!!!
I just got my mac back from the repair, they replaced the PSU and the HDD.
Now, the PSU is 10-20c lower with the same fan speeds and keeps at about 53-60 all the time!
This time i will be more carefull and not to trust the default fan speed for the HDD, which kept the disk at 50-55c. Thats too much imho and will shorten the life spand. I will ramp up the fans to about 1500,1800,700 with smcFanControl. This way at least the hdd is couple degrees cooler and the extra noise is still minimum.