With the fan off it does not block air flow, the fan on puts up a wall that blocks air flow. Travelling at 60 mph drives the air through the rad faster than a fan can do it.
This is not correct, and for reasons other than what you're thinking of. Air moving through a radiator does so based on pressure differentials. I promise you that a Taurus fan has more than enough flow to generate the necessary low pressure area to draw more air through a radiator at 60mph than if you switch it off and let all of that blade surface area freewheel and help generate a higher than normal pressure area behind the radiator.