Ok I opted to go with the Zalman F3s. I didn't want to do a bay-slot fan controller for all the fans, so I went with individual fan-mates for the four. Should be a bit easier to manage the wiring than if I had a bay controller.
I also bit the bullet and got Silverstone's CFP51, which converts three 5.25" bays into four 3.5" slots, and has an intake fan in front. My hard drives are mounted near the top of the case, so I think their heat may be contributing to my bad temps as well (two raptor 150s+ storage drives).