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The fan will only run at low speed and then change to high speed when necessary if you have a two stage/speed fan...

True. My dad's thermostat fan options are "auto" or "on." If it's set to "on," it runs at 70% by default, then kicks up to full speed if needed for temperature. (According to the technician; I didn't go thru the owner's manual to verify.)

My thermostat's fan options are "auto," "low," "medium," or "high." I keep it on "low" by default. It speeds up when it needs to.

Googling "HVAC fan on increases humidity?" provides links that assert the answer is "yes." However, for my own house the humidity's OK. (My thermostat has a humidistat also, so it's pretty easy for me to check.) I think that's something to check, especially if you have an older system.
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