Thanks for the info, Gyro!
About the fan: When it's 0 degrees outside and the fan is blowing, do you think maybe the end result will be that it dissipates most of the heat from the PCB, whereas if the fan wasn't on there might be a warmer area where the PCB is generating heat?
About the wattage: if my heater is currently drawing 1 watt (I think it's actually 1.1), and I have 6 resistors, that would mean that each resistor is carrying 1/6 of a watt, right? So then with 24VAC, since it will dissipate 4 times the power, that would mean that each resistor is carrying 4/6 (or 2/3) of a watt, which is over the 1/2 watt rating, right? So then if I simply added 3 of the same resistors to the series, then each resistor should be carrying 4/9 of a watt, which should be safe? Is that correct?
BTW I would definitely consider moving the heater in front of the fan like you suggested, but if I'm going to be switching between 12 and 24 volts depending on the outside temperature, then I can't be having the fan plugged in because I won't be able to go up there on the cold days to unplug it.