Yeah you would of been fine as you were. Its a common mistake people make when trying to get temps in range.
Air temp is what we need to keep in that perfect range. Canopy temp is difficult to get a reading on without a laser thermometer. Which is why folks use the hand test, if you can put your hand at canopy without it been uncomfortable then you are all good.
You can put a thermometer under a white card at canopy level too.
The article below shows the massive difference between the plants tolerance for air temp and radiant heat.
http://cannabis.com/faqs/growing/growroom-how-do-i-measure-temperature-correctly.html
As you say, the bonus since you have the cooltube coming anyway is been able to turn down the fan, making it much quieter and you can drop down the light closer to the plants (or raise the plants to the light) as long as your still maintaining a good spread of light.