I heat shield of some sort will help protect the fan nearest the turbo as they are plastic and may suffer a bit.
I've not had one melt no mate, by the time you come to a standstill you should have let everything cool down a bit anyway and when your in motion airflow should protect the fans a fair bit.
I imagine if you pulled up to a stop with a glowing turbo and manifold and just shut off then the fan nearest the turbo could get a bit soft?!