OK, Fan runs when the bike is hot, removed water pump housing to check fins, etc., pump is tight, no wiggles, all fins in place, turn when engine turns, new water pump housing seal, no noise or leaks, no oil in water, looking in oil sight glass I see no water in oil (foam, milk shake, etc.), no bent fins on radiator, did not rebuild water pump as it seemed ok, and I have checked hose firmness after running. Ran the bike in the garage until the fan came on one night, checked it the next evening, still tight and firm.
Only mods are straight pipes and baffles from Bub's that I put on it at around 20,000 miles, the first year I had her. (2004)
I do all the wrenching on her including tire changes, tranny bearing replace, clutch plates replace, brakes, rotors, fluid changes, bearing packing, minor service, etc. I can do an overhaul, but I'm ready to buy a new engine if it needs overhaul.