You think the fan running an extra 20 seconds or something is going to cause the electric bill to be a noticeable differnence?
When a fan kicks on it draws far more juice than after it's rolling. I think folks often do oversize coils a lot, I installed a couple 12x18's because it's all that would fit into 2 large homes. One was a log home over 4800 sq ft, customer loves it and says his home has never been so comfy.
What I learned, it's not always best to blast a home with a huge coil, the fan wholes it's running is circulating air through the entire home, eliminating hot and cool spots,, and keeping the upstairs from being dramatically warmer than the bottom floor.
Then, in further trainings I learned that a lot of top hvac guys have fans that never shut off, ever. They operate at a really slow speed, and have a pump that kicks on with the thermostat to put heat into the coil when need be, u can still do this one one loop and use a 20 plate as well if it's plumbed properly.
The other day I was called out to do an estimate and found a retired hvac business owner. He showed his unit, it was built in the early 70's, obviously top of thr line, he said his fan hadn't shut off in 40 years except when the electric was out. It was an oil furnace with ac added on. He said he would never live in a home that didn't have a low speed fan operatiion that ran 24/7.
I am going to build a house in the spring and plan to use this technique, I am also encouraging my customers that "can" do this to do so, I try to sell comfort as much as I do "cheap heat"