I guess I have the only tolerably quiet straight piped Dodge Cummins.

But I will agree that I've heard some loud Cummins trucks out there with guys that love to drive around town like their throttle pedal was replaced with an ON/OFF toggle switch.
Also, I agree as well that there are little power gains to be had with a straight pipe exhaust but let me share what I experienced.....
In order to lower my EGT's I removed the muffler and resonator. Yes, it worked but it also resulted in a terrible drone at around 2000 rpm. Then later on I learned about how to add some metal to the section of straight pipe in order to reduce the resonating sound waves which were causing the drone. Result was I significantly reduced the drone down to the point of complete toleration. Nice...
Then I bought a heavy 5th wheel and found that my EGT's were hard to keep in the safe zone so after already having an intake system, my only option was to upgrade to a 4" exhaust system. Upon ordering the new exhaust I chose to go straight pipe again too. Being fully aware of what causes droning, I made sure to use every OEM exhaust hanger/mount (which took some fabricating), and I had the exhaust tip extend out the side like it did from the factory. Along the lines of another subject regarding transmission temps, I also installed around 6 feet of exhaust blanket (not wrap) which runs almost from the turbo back to just past the transfer case. My exhaust pipe is securely mounted and blanketed and is surprisingly quiet.
In regards to any added power, we can call it coincidence if you so choose but immediately after installing my new exhaust, I was towing my trailer on the same hills and my clutch began to slip. So did I add just the very little power needed to cause the clutch to give? I'd say so because after pulling out my factory Luke clutch I found that it was in extremely good condition and not worn out or abused.
Point being is my truck is NOT loud or annoying. Its certainly NOT quiet either but that said, the engine clatter alone is far louder than the exhaust noise while idling. Only until I'm under a lot of power does my truck then get noisy. But so far no neighbors have ever been angry at me, and if anyone ever expresses how loud the truck is, its not because of whats coming out the tailpipe but rather whats coming from under the hood.