Ok, so sure apple is full of good engineers that designed the default speeds for a reason, so why change the fan settings?
Well I am new to macs, and all I hear is "smcfancontrol is the best! gotta have it!"
So of course I jumped to the conclusion that I should regulate my temps on my own, especially if they reach 100 C. But the fact is these computers are made to run around that temp, and most average users stay in the ok range. Now while I agree that the engineers did it all for a reason, but windows has been engineered for decades by ppl that think they know what they are doing but they always have problems. So you have to think: who does apple aim their efforts for? A: the average computer user who only uses itunes and safari ect... (basic fun stuff)
So basically you dont need to change the settings for your fans... UNLESS YOU KNOW WHAT YOU ARE DOING! If you run your mac harder than others, and do alot of complicated things on it, then you better be monitoring the temps and keeping them down if they are going too high. And smcfancontrol appears to be the trick.
Now I dont use it, my mac has never gone higher than 90 C, and thats only when i do a lot of different things on it. So in summary everyone is right: trust apple, but know your stuff when s**t "hits the fan" (pun intended)