UPDATE: I bought a new fan and put it in, it spins faster than the old one and of course, the fuse does not get hot, the only problem is no headlights. I forgot to buy a new fuse so tomorrow I have to buy a couple.
And as for river crossings, I'll just take the fuse out before crossing and let the motor dry before putting it back in.
I had to take the radiator out to get the fan out. I will flip a [censored] gourd if I have to do this again soon.