Quick thought: If you want the fan to default to stock operation when you're drving, get a relay, wire it to bypass the fan switch, actuate it with the 4WD light switch, and fan will come on whenever you shift into 4WD. If you live in an area where it snows a lot, you'll also need another switch to deactivate the relay in winter.
Option two, not simple unless you have some access to parts: use a latching relay that actuates with a momentary contact switch. Put a button on the dash (or use a rear defrost switch). Push switch to activate relay, which now stays on until you power off. It will always default to normal operation. I haven't checked the availability of 12 volt latching relays, but I expect they're out there somewhere. For those unfamiliar with this, a latching relay has an extra set of contacts which, when on, duplicates the circuit used to activate it. Once it's on, it stays on until power is removed.