84 degrees isn't the end of the world, but get it down if you can. You don't want to go any higher than 84.
Yes, fan will create a lot more evap, but that's how they keep the tank a little cooloer. So you will need to keep up on diligent top offs if you don't have a ATO.
I would definitely move the lights up a little higher. If you tank isn't too deep you could move them up.