I think you're worrying about it too much.
The pulley dtive ratio means the fan spins faster than the crank (assuming the clutch hub fully engages, with minimal slip).
I would trust Toyota has designed it to run fully locked at full engine RPM as a minimum design requirement. And then, they will have designed in a safety factor so it doesn't fly apart 50rpm above redline.
Evidence of this, is the high number of guys who have loaded them with heavier oil so there's even more definite engagement.
Then, there's guys who have installed smaller overdrive pulleys on the water pump to intentionally spin the fan faster..
Simple answer, if you're worried about it, replace your clutch hub and water pump as preventative maintenance at an interval that makes you happy