What is your experience with fully fanless systems? Can in your experience a good motherboard and good memory operate without defects for years without _any_ airflow?
Yes, fanless is doable, as long as the system is reasonable modest. But don't use such a system for any 24/7 full load work.
Fanless has it's place. If the stuff is low power and small, perhaps it's easier without a fan. Most likely it's the other way around though, easier with a fan in there. Depends on the build and your goals.
This. There are some really good fanless systems available that are really good. That said, they're very expensive. In order for the machine to be effective in 24/7 usage, it really needs have incredibly lower power draw, really low TDP, and a really good thermal transfer. It also needs to be in a somewhat moderately cooled room in order to sustain average temps in a save range. This will be stated for each motherboard, what it's safe operating temps actually are.
If you were to build a fanless system, you'll see a noticeable temp reduction by having a strategically placed cooling fan on a particularly warm component. That would also likely improve performance and lifespan in the long run.
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A 9500GT with 1GB of RAM is the most pointless thing since NASCAR.