Supposedly one of the arguments for lane splitting in California was the propensity for bikes to overheat out here when stopped in traffic. My 650 did not have a fan but it did a good enough job heating up my crotch to a nearly unbearable degree on a hot day without it.
I have certainly experienced overheating due to traffic on my air cooled bike. Now I am thinking about adding a fan to my oil cooler that would either be on a switch or even on a proper thermostat.