Mate, my fan speeds are set to 1400 (ODD) / 2100 (HDD) / 1500 (CPU) which is my default setting for summer over here in Dublin, not as hot as back home in Australia mind you, but the Mac does seem to feel the heat. These speeds will drop when Winter rolls around, which here in Dublin could be any day now! 🙂
My game settings are 2100 / 3200 / 2200, I mainly game in XP and for some reason the Mac seems to get quite a bit hotter when playing games (Crysis, Assassins Creed, Gears, etc) under XP, but a couple of people I know who are tech heads say that XP does this, so I'm not worried as much about it as I was.
I have got a "MAXIMUM" setting for a quick cool down which is 2200 / 3700 / 2400 but I don't really use that that often (only used it 1 or 2 times) because I don't think it would be too good for the fans, it's mainly just for an quick cool down as I said.
I checked the highest I can go with SMC and the fan speeds and they are 4800 / 5900 / 3600.
Hope that helps.