It's usually dust and loss of lubrication that makes a fan fail, those factors are much more amplified by temperature than by RPM. (this can be proven with the fans datasheets) They last almost forever in idea conditions, like server rooms with clean air.ps4 fans should in theory have a much shorter life span than Xbox ones. They already spin faster for longer because they are smaller and required to cool a larger load, and any degradation in performance would just require that fan to work harder and harder.
XB1 fan has it's major heat source right under it, and it sucks up the hottest air as slowly as possible, which puts the motor in a high temperature situation, while the PS4 fan sucks the coldest air. High temp reduces the viscosity of the bearings lubrication, and that help dust infiltrate through the seal. There are ways to prevent this, by having a lubricant which has it's ideal viscosity at a higher temperature, which MS would probably have planned.
The motor of the fan on the PS4 is massive (delta KSB?), I tested the margin available and it can go much higher in RPM than necessary. The centrifugal design means the air, along with the bearing-destroying dust it carries, will never be in the path of the motor. That is not the case with an axial fan which creates a vortex where the motor is. The smaller motor of the fan on the XB1 cannot reach the same air pressure, but it also doesn't have to because of the lower wattage, this evens out.
This was the biggest problem with the PS3/360 launch models, the fans at their highest RPM were barely powerful enough and they were playing with fire reaching dangerously high temperatures, without enough sensors to monitor the dangerous envelope. XB1 and PS4 solved that problem in a very different way. XB1 sucks the hot air at the end of the chain, so everything else in the box gets the cold air, while PS4 has multiple temperature monitoring and controls the fan to keep all parts within the margin. The PS4 fan is basically in the middle of the chain, sensitive parts before, less sensitive parts after.
TL;DR
I'm just geeking out, nobody expects anything like the PS3/360 RROD/YLOD situation. After 2 years from launch, if there was a reliability issue we would have seen some widespread problems by now. With XB1, better clean the power supply fan once in a while, and the PS4 needs the side air intakes to be vaccuum often.
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