Airflow comes in from the bottom then out the back exhaust vent. There is a thread (can't find it yet) that shows someone who put filter material in the bottom vents and cleans or replaces them regularly.I'm concerned about this, too, as I have a 2014 5K iMac, and...back in 2014 the average fan speed was ~900-1100 rpm, but today it's ~2900 rpm. I've seen pictures of disassembled iMacs showing the fan and other cooling components coated with thick dust and debris, so suspect the problem is real.
Is the air flow specifically from the bottom vents through the fan then out the back vent--or does air come in all vents? If the back vent is an outie...seems it wouldn't do much good to clean it to keep the inside clean.
Perhaps a thin strip of A/C vent foam filter across the bottom vents, cleaned weekly/monthly, not a bad thought?
I have read so many pros and cons on this. If you are holding it for the long term it might be worth thinking about.