In a different room, you should be fine! I sleep with 2 chins right next to my bed! It's mostly the wheels making the cages rattle a bit. Sometimes when my big guy jumps onto the floor of his cage from a high ledge, I hear a thump. Sometimes they make little sounds themselves. And for whatever reason, my male chin DRINKS his water bottle loudly...the little ball bumping against the side of the spout thing makes a fast click click sound...(my husband teases that Dewey is sending a telegraph because that's kind of what it sounds like). My lil girl drinks quietly though, so I dunno if it's just his bottle or his style! LOL
Chins do not need regular immunizations. They WILL need a vet though. Sometimes little things are going on with them that it's important for us to have checked out. If your chinchilla has irregular bowel movements, or stops eating, or starts pulling their fur out, or gets a watery eye, or losing weight, or bleeding or whatever...you'll need to get them looked at. I've been a "chin-parent" since June 2009...so less than a year...and have already been to the vet 3 times....and may be going again in the next few weeks! Chinchillas HIDE their illnesses so by the time WE NOTICE something looks off, it's probably already serious.
Kudos was researching and asking lots of questions BEFORE making the commitment! I wish more people would do that before getting ANY kind of pet!