And whereabouts are you based? Might be a local member that can pop down and have a quick look..?
But i must say engines are hot! you can't really touch an engine when they are at operating temperature.. Do the pipes going to and from the radiator get hot? If the thermostat is stuck shut then no water will be circulating around the rad or them pipes - so they won't get hot. As said already 90degrees IS NOT too hot. A cinq in tip top condition should get hotter than that when idling and when it does the fan will kick in.. I get the feeling your getting scared way too soon and turning it off - but if it really doesn't come on then first check the fuse (which i think you have done already) then check fan and then fan switch..
To check the fan:
1.disconnect -ve battery lead
2.disconnect fan wiring
3.put 12volts directly across fan terminals - fan should turn on, start smoothly and not make any grinding noises etc.
If that works, check the fan switch:
1.get car upto to operating temp (let it go over 90 if it will, get it upto 100 - if it will not get that hot i'd say the thermostat is stuck open, so take that off and check its operating properly as described earlier in thread)
2.assuming its got to 100 degrees and fan hasn't come on, switch off ignition and disconnect wiring for cooling fan switch (located on the radiator) and join the pins in the plug together with a piece of wire and turn ignition back on - the fan should start, if not the switch is probably faulty.
That should keep you busy for a little while, report back