Nothing wrong with 195 degree coolant...that's where it should be. Even hotter is no issue...ive driven many vehicles that ran 200 or hotter, all the time.
If you want to clan up the exhaust a LITTLE then this stupid hot coolant temperatures are great. If you want to run some compression and make some horsepower 180 is IT and that’s too hot. 160 is the best for a street car that needs a heater. Plus it’s damned hard to get much below that on a street car.
It’s long past time to stop saying high coolant temps are good. They are not.