Blackie,
Have you tried the fan test? You can make your fan run by (this is how I do it) Key off. On the center stand. Side stand up. Bike in neutral. Now ground pin one of the "diagnostic plug" under your seat. Turn on the key and hold the ground for like 5 or 6 flashes of the console(abs) lights. Now disconnect the ground. The fan should pulse on and off. That will tell you if your fan is "good". I have also found my fan to be a bit fickle when it comes to turning on and off. It doesn't seem to have a consistent starting point, but rather depends how long it has been in the hot range. When I first got the bike it wouldn't come on till it was way in the red. The other day it was running at 3/4 plus on the gauge for maybe twenty minutes and I was pleasantly surprise to hear the fan fire up well before the red! Probably an inconsistent sensor, but hey, works for me!
Bizz