Well, too tight a chain certainly produces a noise at all speeds on my old Honda 4's. That though, is apparent even with a helmet on.
The dealership reported the issue on last service, as mentioned and, with a free replacement under the extended warranty, I'm not complaining.
My latest buy - a 1972 Triumph Trident, with a genuine 12,000 miles on the clock, produces a whole range of new sounds to get used to, most of them sounding like imminent doom. However, a friend who has both road and race bikes of the same type says it is actually quite a quiet example!