I'm favoring the kludged wiring theory. The blocked air door doesn't make the motor and resistors hotter, in fact the opposite is more likely. IF a blocked air door caused the fire, you already had worse problems than that to begin with. A plugged air filter will cause the motor to unload, but on the flip side reduced air flow means there isn't as much air flowing to carry away heat. Doubtful that this would get bad enough to cause fire before you would have noticed little to no airflow from the ducts though.