I run 2x sets of 4x Noctua A12x25, and 1x set of 3x Noctua A12x25 off motherboard fan headers (1 header = 4 fans, 1 header = 4 fans, 1 header = 3 fans) using splitters. I really wouldn't be afraid of this. I'm not going to debate the reality of the amperage/wattage usage during start-up, but to recommend only 1 fan per header is lunacy, and the amount of time it would take to burn-out the fan header would be years, and even then, maybe not. I've thought whether the motherboard spinning my fans to full throttle during POST would cause trouble, and figured I'd see what happens... it's been over a year, no issues. Years and years of motherboards in the past putting at least 3x fans per header without a single fan header burning out. For context, I don't run my fans full speed unless I'm benching, and I did plenty of that earlier in 2024.
If it's a cheapo motherboard, I'd be weary... but I dunno, it's not 1999 anymore. The headers can take the "abuse".
Going with a fan controller works too.