I agree, I gave the simplified version. Because we are discussing decades old designs. Newer front ends are much cleaner that the older designs, so things have to be accounted for because of a lack of air at the front of the car at road speed with the newer stuff.
I also realize the fan is more efficient with a shroud, but how much efficiency does it need? And at what cost? If the air is packing at the front of the radiator because the shroud and fan can’t pass the air, you get into all sorts of issues?
I just picked one source for pump speed (Chrysler) but there are others that cover it in more detail. Evans coolant for one. They also say 20% over. IIRC so does Stewart Components.