My thought is your radiator is not doing the job. Weather it is clogged or just not enough cooling capacity. Or your not getting enough flow for the heat to transfer through your radiator.
I agree with SG here......sounds like the radiator isn't quite up to the task, although 195~200 is nothing!! It's not even boiling temp for plain water, much less coolant. The only thing that would bother me is if you really taxed that cooling system, like say on a hot day on the freeway with a carload of people going up a long grade. I think you'd be sweating bullets and staring at that temp gauge, which isn't too fun.
I've had cars that had zero pressure in the cooling system like that. I knew it wasn't right, but they were just putt-putt around town cruisers. It shouldn't affect the running temperature of the coolant in average day-to-day grocery getter vehicles.
