Are you certain that your temp gauge is accurate? Where on the block is the temp gauge sending unit installed? I don't think I'd install a stat any higher than 195 personally. Even though your current stat is new, maybe throw in another brand new 195 stat anyway, because there is a possibility that the 195 stat you recently installed is opening too early. It could have been mis-marked, or might be defective, or there could be an obstruction that is keeping it from closing tightly. I usually check stats before I install them by placing them in a pot of water with a good accurate hi-temp thermometer, and then bringing the water up to boiling, then letting it cool, and noting the operation of the stat throughout the temp range. If you want to go nuts, you could even buy a few new 195 stats from different manufacturers and then compare them with the hot water test... they may all open at the same time, but may close at different times. Or, some may start to open later but quicker, where as others open slower and thus start opening earlier, etc. And, if it is super cold out, blocking the grill / radiator should help too.... just don't forget to unblock once it gets warmer out. Sounds like you have a nice big radiator there, which will cause the engine temperature to be very sensitive to stat operation. In theory, if your 195 stat is operating correctly, you should be reaching 195 degrees. Again, check that temp gauge too. 180 degrees should be fine anyway... do you want more heat merely to increase the heater output? Maybe your interior heater system needs to be looked at. Check your ducts... you might have some cold air "leaking" into the interior diluting the hot air coming from the heater core. Or, on some systems, there is a valve on the heater core hose that blocks coolant flow to the heater core... if this valve is stuck partially closed, you may not get maximum heat.