high water temp issues

I would agree with running and hotter thermostat such is a 195. it allows more time for the coolant in the radiator to dissipate heat
I re read your original post I have not seen whether or not you have a shroud around your fan. A shroud will greatly improve your fans ability to pull air across the surface area of the radiator. I would try the thermostat first its the cheapest and easiest.