There would be a separate sensor for hot engine and some engines don't need the fans much depending on how it's driven and the temperature outside. If they really won't come on you'd notice the gauge reading warmer then too hot.
Head gasket job is cheap on parts and big on labor. Head really must be checked out for damage and there's a risk it can't be resurfaced for reuse or fixed. It's an old car now so a used one should be availble if needed and you should get some quotes and will probably be told two prices - one if it needs a head and one if it doesn't. See what you find and decide from there on this old a car and it's overall condition what you want to do,
T
Tom Greenleaf - MetroWest Boston - USA
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http://www.autoacsystems.com/tomgreenleaf/