Unless you live in a perfect climate, fans are highly desirable. A fan costs a few bucks and is dead easy to install. Alternatively, you can leave the back door off your cabinet, which is what I usually do until I install a fan.
Heat causes problems, but humidity can also cause even bigger problems in either hot or cold conditions. I'm pretty lucky to live in Canberra as the humidity is quite low here, and rarely have problems. Even so, a lot of the cabs I make end up in Sydney, which is hotter and more humid than Canberra, so I make sure that I to install exhaust fans (just one 120mm) before selling them. I should also echo Beretta's earlier comments about a big fan being better.
I have restored many cabs and the worst ones are from Wollongong, which is hot & humid & coastal (& often smoky). In these cabs I tend to find a lot of surface rust on metal surfaces, and have had to replace many metal panels / parts in my restorations. Their old monitors really seem to have wilted in the heat & humidity too.