I took apart my original OEM Toyota fuel filter, when I (stupidly, as it turns out) replaced mine at about 250,000 kms. Then, at about 320,000 kms, when that one started acting bad, I took it apart.
It should have been a clue that an original Toyota OEM filter costs about 4 times what the aftermarket one I bought cost. There's a LOT more filter area in the OEM one. Further reading on the subject, and it seems that under normal conditions, the fuel filter should easily outlast the car.
Naturally, if you get any unusal sediment in your gas tank, this all goes out the window, but the amount of filtration material in the an OEM Toyota factory fuel filter is HUGELY greater than the amount in the aftermarket one.
Change or don't change the fuel filter, I'd say don't. If you do change the filter, though, spend the extra to get a Toyota OEM one, and you'll never have to do it again.
For the belts: Yes. I've changed them all without removing the radiator fan, no problem.
The timing belt, on the other hand is another matter. If your fan belts are cracking, the timing belt is probably also cracking. It is highly advisable to at least check this. While the 7M is supposed to be a non-interference engine, if the timing belt breaks, you're looking for a tow. Funny how the engine won't run without the cams turning. Best case is you need a tow, worst case is that you have a bit too much carbon on one of the valves than you should, and you bend it.
You can CHECK this without removing the fan, but you will have to remove the upper radiator hose and water pump outlet to do so, since the upper timing cover has to come off.