Have you estimated total driving eff ?
powersupply has 87.5%
buckdriver has 97%
together we will see 87.5 X 97 / 100= 84.8%
Can you drive the fans with a tiny bit of these DC/DC converters ?
not with cc buck drivers, but there are also constant voltage buck driver
on the other hand, a fan(diameter 60-120mm) use most often between 1 - 3 Watt at 12 V or 100ma to 250mA
here we can use a analog voltage regulator such as 7812 or an LM317. with the last one we can freely change the voltage with two resitors.
btw. nice work in s.up