If you use a fan then you need a thermostat and some other kit (another relay to open circuit the load? or air flow switch to put load into circuit? [ better idea, no PSU required]) to protect the resistors if some one puts power into it without powering up the fan, hence my idea of not using a fan.
This is not a high power heat sink application as the 650 W is distributed across 26 devices, rather is a lot of moderate power heat sinks. If you are running a couple of devices that are dissipating 100s of watts each, then thick heat sinks, loads of fins and a fan are in order, else KISS.
Frank