Like I said before, they are different bikes with different engines, the VFR can do a neighborhood cruise at 25-30 mph and the fan will not come on. I do not recall the fan coming on unless I was stopped in traffic.
Ideally, the RC is designed to route the air into the fairing and it eventually has to pass through the radiators to exit the fairings. In reality, particularly after being a few years old with numerous dis-assemblies and modifications, the foam and rubber seals that duct the air to the radiators have worn, or changed their position, and lots of air can escape the fairings without going through the radiators. The air comes in and leaks out through various gaps between the seals. As speeds rise above 40-50mph, there is so much air being trapped into the fairing that plenty of air passes through the rads, despite the leaks.
The problem that I see with the stock fans is that they are fighting against the natural flow of air while riding the bike. Upgrading to the SPAL's, keeps the flow in the same direction as when riding, so I am not worried about running them while traveling at speed. They are not fighting the natural flow of air.
Honda programmed the fans to turn on around 220, so I cannot imagine 220-225 being a problem ... but I would not push that logic too much farther than that. I prefer to see my temps under 200 and the switch allows me to do that. On most rides, the temps will stay around 180, and that is about where the thermostat opens.