Frugal and Energy Efficient Living

If it were me, I'd probably want to define the insulation in terms of the R value in order to know what kind of performance it is delivering. If you think you need the attic fan to cool though, my guess is you think heat is radiating down; and it could well be even with insulation that is the maximum typically used since the level that constitutes "maximum" seems subjective.

It sounds like you've made a lot of effort to improve the efficiency of the home and I'm sure it's paying off big time for you. A ridge vent and gable vents should, if airflow from the eaves isn't obstructed, keep your attic dry.

Another thing to look at is the heat you are generating inside the house. One result of well sealed and insulated homes is that our activities produce heat, often a lot more than we realize. For insight into that and to see what real "max insulation" means from the energy side, google and investigate "net zero energy homes".

I think it is wonderful that you are digging into this and taking action. Good on you!