Are you sure this is possible, SMT at 40A?
I worked with hydraulic power units that used several
brushed 12V cooling fans.
We had problems with connectors and wiring heating up, as the brushed motors seemed to draw more and more current with age.
We had problems with DIN rail terminal blocks and fusing heating up, due to the high currents. Each fan was around 15A going up past 20A. It really needed to be a 24V system.
Automotive blade fuses have significant resistance and will also make heat, several watts. Example
MINI blade fuse 30A generates 1.2W at 20A. This, and the socket make a hot spot on your PCB.
Car stereo amplifiers are using two fuses in parallel, to keep costs and size down.
You have to size the wire and connectors carefully. If there was significant voltage drop, fan current was higher. A fan motor would eventually short-circuit when the brushes failed.
I would say a brushless fan has inrush current until it is up to speed, but automotive fuse are very very slow blow anyway.