Many folks are aware of the fan burning up due to to large a fuse.
The two issues are:
#1, the fuse doesn't blow immediatly IF the fan gets jambed up.
#2, The space between the radiator and the fan ALLOWS small debris/pebbles/rocks, etc to get up inbetween the fan and the radiator.
Even if you put in a lighter fuse and it saves your fan, you still have a blown fuse and no fan at that time.
I would strongly suggest, to solve both issues, just put a guard at the bottom of the radiator to keep debris from getting kicked up causing the problem in the first place..
If your even slightly handy with a tin snips, pick up a piece of galvanized ducting sheet metal, cut and bend up something (see below pictures) to stop any debris from getting in there.
Please feel free to copy from my design.
Even if you can get some heat resistant silver (actual, home, air conditioning SILVER, duct tape) you could fold it up several times and literally just tape it the rear edge of the lower radiator.. can't get much cheaper than that...