I don't know exactly what you mean - I can't say, if the input draws current. I was just saying that I measured 3.5V on PIN1 and this is strange, since I had no divider in front, just 1 resistor. Now with the divider, the voltage is even less. That's why I was wondering about the impedance of an input pin, and if you have to take this impedance into account when setting up the divider. Obviously being high impedance, you don't have to. And so the question about the 3.5V remains.

Assuming I killed it - then why does it work again now after another re-programming? It behaves completely logically, just as I designed both hardware and sketch. But it doesn't do it for long.
So there is surely no mistake from the schematic to the board either.
An example: I re-programmed it (uploaded the sketch) tried some use cases: Changed the voltage on NTC+, watched the OUT - completely fine. Disconnected 12V (key) and depending on my software logic, PIN4 kept the board running or not. Complete power off, power on again, similar tests, everything fine.
This morning I installed it in the car again, drove 20 minutes to work, waited for the temperature to rise above my configured threshold - fan came on. Went off below the other threshold. Totally fine.
I'm waiting now for the day, it stops working again.

// EDIT:
About the capacitors: I will give them a try, but they won't fit in my sweet case nicely...
About the heat - I measured the Digispark board when out of the case. The chip itself was at 50°C max. The regulator was not hot at all. But I would have to verify this, if it gets important.