In my opinion, the so called fan that comes on the motor is as useless as **** on a bull. It does not move air, at all, that I could ever feel.
I have burned up enough motors already. I now consider added cooling as cheap insurance. I like water cooling, because I like the added plumbing and stuff and I love seeing the stream of water flow overboard. On this boat, I decided a muffin fan would be beneficial in addition to the water cooling, and because I have a box of fans, and because this tug had plenty of room inside.