Well, was digging into my center console to replace a broken fader and found this
The 3rd speed for the fan hasn't worked since I purchased the car and now I know why, but it sure doesn't make me feel any better about the risk of fire...
I've now got an element I keep in my door pocket, installed a headlight relay, and will be looking at what other things I need to fuse. Did anyone ever put together a comprehensive list of what needs to be fused?