no one likes a quitter! tell your roommates to buy earplugs! :D
the thing to bear in mind is that the difficulty is so variable, so just because at todays rates you can break even in x days does not mean that you will…also, so much of the break even is based on price, and FTC have dropped a fair bit in the past couple of days which will extend any break even time.
surely at this time of year, you could take the side of the rig and put it near an open window! that will cut down on the temps and the required fan speeds…