Hello again Myles and Bdriver
Myles
  Your descrription of the 2 circuts is correct. The ignition sw is just gating or turning the relay on/off to supply current via the relay to fans. The current path via the toggle or thermal sw. is on the negative side of circut or suppling ground.
  The current flow through either circut is in window of amp rating of each iand proper wire gauge is used. For high current demands of huge or big dual fans you could use thermal sw. to also gate a second relay on the ground side but I have not seen a failure with system described in drawing. I am saying you should use a relay to drive fans and not just the ignition sw. You must also consider the rating of fuses and switches when wiring fans.  I like the second sw to control fans beside thermal sw but you could do without if desired. I do think using just a on/off sw without the auto function of the thermal sw is  unsafe.  What if somebody not familuar with car took her for a spin?
  Bdriver,
  If your system is stock from Kirkham site I am sure no problem their as everything from them is highest quality on anything I have seen. My concern was if fans became part of the series wiring of the amp meter by mishap or a late night field fix of some kind . 
 Lots of ways to skin a cat. This is just one I like and thought answered the question asked.
