What happens when one fan starts up before another? Not possible, they are dc brushed motors, with the same current. They have the same torque. (dc permanent magnet). Why should one start before the others ?
What happens when they aren't matched? One fan spins faster than another. As resistive torque of a fan is proportional at the third power of rpm and the motor torque is proportional to the current (who is the same in all the motors), the difference stay very small. Nothing occurs.
What happens when one gets stuck or meets higher resistance? Higher resistance ? Never see this occuring in a dc brushed motor. ...If it get stuck (if can't rotate anymore), it's more or less the same as failing short.
What happens when one fails open? They all stop
What happens when one fails short? Others fans have higher voltage (13,7V instead of 12V)
The true problems:
1) No redundancy and lower MTBF
2) Isolation problems: 12Vdc fans are not made to withstand mains voltage between ground and windings.
3) Safety risk for maintenance...