Alright, as a service to the Cobra community, I went out this afternoon and bought a true RMS/CAT III Inductive AC/DC Ammeter. It's accurate to .01A and has the Peak Capture mode to give you the inrush current. After all, I needed one anyway.
Here are the readings: The entire fan circuit (meaning
both the puller fan and the pusher fans) runs consistently at just under 22 amps
with the engine running. With the engine off, and the corresponding voltage drop, amperage goes up to just under 25A. That's pretty much spot on with the written specs, which say that the puller yanks 15A max and the pushers yank 8A max. The momentary inrush current spikes are significantly higher than that -- and the meter can catch some pretty high readings, but they are only momentary spikes and not enough to throw a breaker or burn a fuse.