Thank you guys. The fan noise I am having is just fan noise like you would find on HD DVD, BD players, or personal computers but just a little louder. It is not like a rattling or high pitch noise that can be expected from a defective fan. This thing is now about 3 years old so I am not going to bother complaining. I just want to buy another one and demote this one to somewhere else in the house.
I am considering the THPZ85 and the THPZ800. The Z85 is $500 less at Future Shop. On comparing the specs it seems like the only difference is on the audio side which I don't care but that's just a comparison provided by the Future Shop website. I cannot find anything about the Z85 on the Panasonic site so I am still wondering if it really has the same video performance as the Z800.