I have used electric fans on a number of vehicles, both for street driving and racing applications. There are a lot of myths about electric fans and even the stock Thermo-clutch fans.
First, the stock Thermo-clutch does disengage at road speed in excess of 30 MPH as long as the radiator temperature has cooled down. Even still, there is some parasitic drag that is very easy to see. When you engine is cold after sitting all night, Start your engine. You will clearly see that the fan is turning and will speed up and slow downs as the engine RPM's change. The engine is cold, the fan is not engaged, but the parasitic drag that makes it turn eats up HP.
The other drawback to the Stock belt drive thermo-clutch fan is when idleing in traffic the fan runs at engine speed so it is least efficient when it's need most. Then when you are moving down the highway at 30 MPH or more, the engine cools down and the thermo-clutch disengages the fan, but the fan keeps draining HP because of the parasitic drag.
Electric fans if set up to be thermostaicly controlled will turn on when ever the radiator temperature reaches a set point and will shut off when the radiator temperature drops to a set point. The electric fan works at it's peak rpm when the engine is idling in traffic and that's when the flow of air is needed the most.
Relaibility is at or near the same as the stock thermo-clutch fan. I have never had an electric fan ever fail, but the I have had the thermostatic controls fail on several occasions. To eliminate getting stuck on the side of the road with an overheated engine, I have incorporated a manual bypass switch that allows the power to the fan to bypass the thermostatic control and directly power the fan. I have even used that in race cars that ran single wire alternators and no alternators at all....just battery power. As long as the fan does not fail, everything stays nice and cool.
The typical stock thermo-clutch fan robs your engine of and average of 5-8 HP at the higher RPM ranges. You may not feel that extra power in the seat of your pants, but it will show up on a dyno.
As for gas mileage savings. The potential is there, but it may take a long time to realy see the improvement, just because there are so many other variables that effect gas mileage from day to day.
...Rich