First thing toadd is that i really want a tenkeyless, because of the better ergonomical aspect... Mouse is closer and the keyboard is more monitor centric...
Furthermore i want the small formfactor to have more use of my desk...
I am not such an heavy typist... I am writing my diploma thesis atm and maybe later the doctoral thesis. In spare time i am chatting and surfing the interent. Writing E-Mails need also sometime. But i really don't want to play games anymore... I had my time but now i prefer to go out biking, climbing etc...

To answer your questions:
80% of the time i am sitting in front of my computer i am listening to music, that wasshes the "noise" a bit away...
Maybe my girlfriend can be disturbed by the noise cause the computer iss in the living room which we sahre together... But she is already working and then i can disturb her in the evening... In the near future we are going to move, and there will be a "office" room where we can close a door and have silence to work... And i will go to work, so the typing is going to be more in my sparetime...
As already mentioned, i am not a author, i want to buy it for writing my thesises. That is the main point. Another thing is to get a ten finger system working without watching the key labels.
At this moment i am writing with a Cherry G83 LUNDE
I also tested the Microsoft ergonomical 4000 and the logitech wave.
But i always came back to the simple layouted keyboards...
I also tought about the "clears", but i think they need more "forcee" to be pressed and i would prefer the less tactile and easier to press ones...
The Filco tkl is of very good quality as i read up everywhere and if i could change the mx switches, i would start with the filco and see how the internal switches work for me... The i think i can order some others to try around... The question remmains, which switches i order in the filco... The blacks i dont like cause they have no tactile feedback and i think i dont want to bottom out in future...
So also the red are not a choice for me... There remain the blues or the browns or the upgrade with clears of the filco...
Nevertheless i have to start with blues or browns shipped with the filco tkl. So the questions is do i try the blues and then if i dislike them reeplace them by clears or browns...
How much does a complete number of switches cost to be able to exchange all keys? That i could modify the filco tkl to clears maybe...