Sue, I looked at my fan last night and it's relation to the shroud. Mine protrudes about 3/4" at the top. I don't know how you would modify that clearance, maybe someone put washers in-between the fan and the clutch. You mention that the fan moves easier with your hand when warm? When it gets Hot it should actually be harder to move since the thermostatic clutch should be engaging. Of course this is when measuring resistance with the engine off. It is not recommended to check this with your hand while the engine is running

Have you checked to make sure you don't have wax residue clogging the radiator fins from your incessant detailing? All kidding aside, a good power washing of the radiator might rid it of excess dust and grime that builds up after time.