Man, in all my years of working with computers (and I have worked with many, many comps), I have replaced 2 cpu fans--not because they failed, but because they were noisy.
I have assembled perhaps hundreds of rackmount systems, each with upwards of 6 fans--one fan per power supply, three fans blowing over the card chamber, and one fan per CPU. Some (the 7u's, 9u's, and 11u's) have an additional exhaust fan in the back, and three power supplies instead of two. Some are dual-CPU, meaning yet another fan. Some are split-backplane, meaning perhaps four CPUs. Generally all of them stay powered on constantly, in service for years and years. Very, very few customers ever order spare fans (and these fans are not the kind of fans you can buy at your local computer store, mind you). The one system we had come back for service because of fan failures came back because the fools had disconnected the alarm board that delivered power to the fans.
The IT department at work has to maintain about 75 workstations. We replaced a fan in one simply because it was abnormally noisy out-of-the-box. Note that these were systems built by the lowest bidder.
My own chassis has fourteen fans (count 'em, <i>fourteen</i>), and I've never had to replace one.
Fan failures do happen (every mechanical piece of equipment will fail eventually if you use it long enough), but they are extremely rare.
Kelledin
bash-2.04$ kill -9 1
init: Just what do you think you're doing, Dave?