I can hear it from 2-3m away easily.
1. "Coil whine" refers to any electrical noise - attention everyone else in the thread who is confused here.
2. When talking about computers, and one mentions 'coil whine', usually that refers to GPU (or PSU) coil whine specifically. However, point#1 does not suddenly become invalid...
3. 2018 MBPs have noiser SSDs than previously, this is confirmed. It's not fan, it's related to disk activity.
4. The noise sounds like hissing and scratching, almost like old-school platter drive head seeking, just like you describe.
5. However, hearing it from 2-3 metres away is NOT normal. The normal noise is barely audible at normal arm-length, and unless you have a silent room you will need to move ear a little closer to be 100% sure you're hearing it.
******
So, happyhippo, contact Apple support, as this is
excessive noise and not normal and needs replacement.