I'm glad I replaced my OTR micro
When I bought my house, I remodeled the kitchen and replaced the circa-2004 appliances, flooring, countertops and cabinets. I bought a Whirlpool kitchen package, which included the OTR micro, and regretted that I didn't just buy a high-CFM range hood (as I did eventually). Even though the micro had a straight shot through the roof, it seemed to make a lot of noise but not move a lot of air. I wound think that the airflow oath from the intake on the bottom to the exhaust out the top or back would have a lot to do with how weak OTR micros are in exhausting, as it basically has to move the air around the oven cavity.
Going back to what I remember, the WP micro I had was a tad quieter in micro mode but not by much. Every standalone micro I've used had quieter cooling fans than OTR models -- in fact, the hum of the transformer made the most noise.
I have wondered about the grease issue on OTRs if the exhaust fan is used to cool the components. Even if it had a separate cooling fan, I would think grease would meander its way in due to the proximity of the cooktop surface and the fact that every fan needs an intake of some sort to work. I've always cooked anything "greasy" outside but I still boil things on my stove, which also had me wonder about steam/condensation. Not really a worry of mine anymore, as I took out my OTR and went with what I really wanted -- a range hood with almost 400 CFM and a standalone micro on my counter -- but was always curious about the construction and design of these things.