Electric fan wiring??????

Two whole separate systems after the thermostat switch seems like a bit of overkill.
Electric fans most never die in a shorted condition, 99.9% they fail with an open field in which case the other fan would continue to run.
Lets get the guy functional, and he can mod things as he see's the need.

Using 2 relay's to run 2 fan's doesn't require 2 complete separate systems. You can trigger both relay's via the same trigger and just have each relay control the fans separately. That way if one relay dies you at least have the other fan working. In this configuration it only takes 1 extra relay and a little bit more wire. The way I look at it is 15 minutes more hook up time and $5 more in parts is worth a ton of insurance for you engine that may cost thousands of dollars. JMHO