Well, the placement of the HD oil cooler is probably not ideal in the first place because it does get stuff thrown at it from the front tire. But, I've never heard of anyone here having a problem because of it. It is possible for the fins to be bent by a rock or something being thrown up, but that's easily fixed. Dust/dirt particles are going to pass through the coil fins rather easily, as they are not tightly spaced like those on your A/C condensing unit or evaporator coil. But the fins can collect surface dust/dirt and should be cleaned/hosed off from time to time to maintain peak efficiency. The amount of extra material sucked through the coils due to the fans being on would be negligible and would have little, if any effect on the need to clean things more frequently. The larger problem with the cooler's location is the fact that when you pull the oil filter, it is very easy for oil to spill down into the area where the cooler resides, and difficult to clean without disassembling the cover and mounting plate as the OP did. Residual oil certainly causes dirt particles to adhere to whatever surface it is on.
Just take a look at your A/C condensing unit (outside component) to see how dirty the fins on the condensing coil are. Dust collects on the fins for sure, and should be hosed off once a year or so as part of maintaining your A/C unit's efficiency. But it takes a good while for enough dirt/dust to adhere to the fins to cause any drastic decrease in operational efficiency due to poorer heat transfer from fins to air.
Bottom line is that those small fans are not going to make things significantly dirtier, IMO. Not enough to be concerned about. How much actual benefit the fans provide is another subject...I am sure they help in extreme situations like very hot weather in stop and go traffic. By hot, I would define that as over 85 degrees F ambient.