Looks like dyeager's got you covered with the cheap/best fix advice. x10,000 on fix the fan shroud - that's free efficiency once it's on there.
As far as the cheap windstar fan swap (like stated, it does not have to be very expensive) - There may be (big) benefits only in certain situations also as indicated above.
The extra space in the engine bay has been handy for me many times - personally, that has been big for me.
There are 2 fans side by side (allowing 2 speeds). Either can be on manual switches allowing user control. Either can be on (automatic) temp switches (degreesF of our choice) in the coolant, trans oil, or engine oil systems (at any physical location within the systems that you choose).
By placing (the largest that will fit) "stacked plate" oil (trans/engine) coolers side by side and in front of the radiator (with optimum shrouding as previously stated), the windstar fan upgrade can act very much like a remote oil cooler/aux fan combo assy (which can be big $$$ and/or a pain to mount/plumb). For my suburban, this meant no more stopping in the sand dunes to cool down the TH400 - no matter how hard I push it!
***IF YOU SEE COLD WINTER WEATHER AND USE A GIGANTIC OIL COOLER, YOU NEED TO RUN A TEMP CONTROLLED TRANS OIL BYPASS THAT ELIMINATES FLOW THROUGH THE OIL COOLER UNTIL IT WARMS UP - prevents moisture buildup in the system****
The windstar fan assy with an optimal shroud, combined with the large stacked plate oil coolers in front of the radiator, reduces air flow over the radiator when compared to a (functioning well) clutched mechanical fan setup. This is true especially when the vehicle isn't moving - the mechanical setup does pull some air even when the clutch isn't "engaged". For all of my previous 6.2L trucks, this has meant that the engine will run ~170degreesF on a 25degreeF MI day unless pushing it HARD. My 6.2L coolant thermostats (195degreesF) have seemed to allow some coolant flow even when "closed"...
My M1028 now runs @ 190degreesF on a 25degreeF MI day until I get on the freeway... then it does cool down to 175 or so. In the Summer, it's fine even when towing/hauling (I have a BIG aluminum radiator as well).
I personally prefer a "main fan on" 195degreesF temp switch at the radiator outlet, while monitoring engine head temperature on the dash gage (for tbi smallblock or 6.2Ldiesel engines). Aux fan is there when you need it (for coolant or trans temp issues).