first off 195 is fine. does it stop at 195 or does it continue to climb when on the highway? a lot of these cars originally had 195 stats in them.
but if you are that worried about it, how about a picture of the rad and fan set up? is the electric fan blocking air flow at speed? it runs 195 on the highway, what rpm ya turning? whats it "cool" down to when off the highway? are you running the proper water pump? whats the pulley situation?