To answer you first question:
(defn fib
([n]
(fib [0 1] n))
([x, n]
(if (< (count x) n)
(fib (conj x (+ (last x) (nth x (- (count x) 2)))) n)
x)))
This type of function definition is called multi-arity function definition. You can learn more about it here: http://clojure.org/functional_programming
As for a better Fib function, I think your fib3 function is quite awesome and shows off a lot of functional programming concepts.