Glad to hear that you may have found some of the issue and even more happy that you have no oil around the fan or rocker box. That will keep you from having to rotate the motor out.
Another thing I would check for the fan would be the fuse. The fuse box should be under the seat and if you count them starting at top left going down then back up to top right down, the fan fuse should be number 10 in the box. Make sure it's still good. I also read you haven't done any long rides yet. That plus the RSS and awesome northern California weather may be a recipe for not having to kick on :D.
As far as the front steering head bearings, I haven't had to replace mine yet and I'm having a hard time finding a how to. d_adams gives a condensed version in the second post HERE. For detailed instructions I would download the 2003 Service Manual Here. I've heard the name All Balls Bearings a lot. I'm not sure what everyone else recommends but at least it's a start.
Good luck and hope this helps!