I am all electric... Fans and water pump.
For the most part, I maintain a temperature range between 194F and 201F with the exception of near and above 90F days running the AC in town. Then the Heep gets to 212 which indicates that I am short of air moving across the radiator. I am in process of evaluating a replacement for the Ford Fan I am currently using a the main. It runs on low (via the Ford dropping resistor) when the key is on and shifts to high when the controller calls for fan. I have also modified the wiring for the stock e-fan so it comes on when the controller calls for fan as well as when the PCM calls for fan. I would say my solution is a 95% one. Need to get the final 5% and it will be done. Moving my trans and PS coolers out from in front of the radiator will help a bit also...
A great deal has been made on the accuracy of the dash gauge. I'd say it depends on the year. In my case, the dash agrees perfectly with the PCM and the PCM is reflecting the temperature of the T-Stat housing as confirmed with a Laser Thermometer. Your results may vary... I do believe though, that you really need to confirm the accuracy of the dash prior to jumping to conclusions.