Yes or no?
Absolutely! We had one in our Texas home, and it really helped in our oversized master bath. But home builders usually think vanity lights is all that is needed - not - so wiring for a fan is a must.
Bathroom exhaust fans (that vent directly to the outdoors, not just attic space) are a MUST. Most times they are required by code to remove steam/moisture for the health of the house itself. Mold and moisture damage can be an issue.
Assuming you're talking about ceiling fans and not exhaust fans, that are required as Conrad notes.
Yes, we have fans in every room except the living room and dining room of our house. They allow me to keep the AC warmer than would otherwise be tolerable. We keep the AC at around 79F, without fans it would probably need to be around 74 to be comfortable.
On fans, they aren't needed when you aren't home, they cool by moving the dry conditioned air across your skin. They don't make the house cooler, they make you cooler. I also don't run them at all in the winter, I don't buy the push the warm air down theory. The moving air feels cold so I don't use them in winter forward or backwards, fast or slow.
Any advice given here is general in nature and is not necessarily valid for your given area. If in doubt check with your local codes enforcement department for what is required when doing electrical, plumbing or structural work on your house. Permits may or may not be required in your area and home owners may not be able to DIY some tasks. I have no way of knowing if you have the skills needed to complete the tasks you are asking about, when in doubt seek professional assistance.
My advice may be worth exactly what you pay me for it. :-) For the record I did not stay in a Holiday Inn Express last night.
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