>it was probably because something was fucked (maybe the switch, maybe the fan) and the old owners didn't feel like fixing it properly

That very well could have been the case - that old owner being my 80 year old dad. He may have attempted to disconnect the switch, not knowing how to do it properly when the fan went out. Pretty sure he didn't know it was a switch-loop either. He's a chief navy mechanic and is brilliant with automotive and almost anything mechanical, but, admittedly electric wasn't something he ever got to focus on. Which is part of the reason, I'm trying to learn a bit.

I'm in the U.S.

This is helpful though. I'm going to pick up a multimeter tomorrow to test. I had a voltage tester that only told me if there was any type of voltage.