If you really want to fiddle around with thermal settings then some understanding is needed, so either take an hour and read through the Github issue or simply leave everything as it is (no fan needed, throttling already prevents overheating and Armbian uses somewhat conservative settings given that H3 is able to operate at up to 125°C according to datasheet).
The following only applies to Armbian (and Jernej's OpenELEC with which we share most if not all settings). The only use case for a fan is if you want to constantly operate your board under full load and fear high temperatures for whatever reasons. Orange Pi PC shows already pretty good heat dissipation away from the SoC through copper layers inside the PCB so if you add a cheap heatsink you already have a performance setup (most people never need). And if you want to run your board constantly on the upper limit (clockspeed) then either add an annoying fan or allow higher temperatures in fex file (ths_para --> increase the trip points). Or live with slight throttling