@weaztek I am also wary about artificially messing with the fan controls, not least because it could likely be stressing other components within the the machine. Like you I now run iStat menus and have found it interesting to monitor these things. I picked up this mini a couple months ago and at first it seemed all wrong after using the Mac Pro, but as time goes by I am progressively more relaxed about how the mini operates. It's just different from what I was used to.
Generally I would agree with you except for I have had 3 Macs with heat-generated issues in the last decade. While all three were iMacs, I think the Mini is pretty much an iMac with no display so it is not a stretch to think the same issues would occur.
On my first iMac (24-inch from about 10 years ago with the flat sides and plastic case) after just under 3 years (miraculously just 3 weeks before AppleCare ran out!) I started getting lines across the display and the computer would shut down by itself after a couple hours. They replaced the display, then the graphics card. After neither of these worked they replaced the whole computer..
The replacement was a then-current 27 inch with the i5 with the still current curved metal case. I had this for 4 years and it too started to have heat related issues much like its predecessor. Same display weirdness and random shutdowns when pushed.
I traded that into Apple and got the then brand new iMac 5K in 2015. Lo and behold after 3 years or so it too had the same issues.
As a rule I leave my computer on all the time but let the screens sleep after 15 minutes. I work from home so they are pretty much on and working most of the day. In the evening I often use it to watch TV so they work pretty hard. I am sure this contributes to the issues.
Apple is more concerned with noise levels and aesthetics than throttling and longevity I think. With the Mac Mini, since I have been running the fans at full speed the computer runs very cool, which should go a LONG way to preventing heat related issues down the road. How can that hurt anything?
If they had designed the Mini with better internal cooling (larger capacity fans etc.) and removed the internal power supply and replacing it with an outside brick then the longevity of the computer would be much better and throttling could be a thing of the past.
I also have an Intel Hades Canyon NUC with similar specs and size as the Mini and it runs much cooler and rarely throttles under similar loads with no altering of fan controls.
Other than the fan itself there is little likelihood of stressing any components of the Mac Mini by running the fans full time. Less heat retention/better heat ejection by using higher fan levels can only help reduce heat related stresses on the machine.