Ok, this HAT can be used in few ways, including case with larger 3,5 inch drives.
Are You using same samsung SSDs? Are they in plastic or metal enclosure?
If You don’t care that much about warranty You can get best results by removing their case, mostly those dont have any heat dissipating elements and they don’t help much, look at those inside case:
You will get much more compact setup and much better results.
This is perfectly ok
Initially same HAT was used for Rock pi 4 family, and this one had SOC on bottom side, air should circulate from bottom to top. HAT has some holes between ports to make that possible.
All You need is 5V PWM fan. On TOP hat Header You will have: