I figured yours was a 2000 from your avatar, I just put the 1G/2G info in there for others.
I can understand how you feel about noise... Should you decide to go with an aftermarket can, the Holeshot 17" Street and 21" Touring cans as well as the Yoshimura street cans are not too objectionable. I didn't want a loud can either, so went with a 17" Holeshot Street can. (He didn't have the Touring can back then.) "Steve" has a Yosh street can on his B12, I've riden with him several times. I'd say it's just a touch quieter than mine. Both will let out a nice tone in the upper rpm's, but still not be punishing at normal cruise speeds. You shouldn't upset any neighbors - unless you want to.