helllp with cooling issue

I run a 195 thermostat and the ONLY time it shows that warm on the guages is idling around in traffic.
With a 26 inch two row and a 17 inch electric puller fan in the summer and in Phoenix AZ it gets to 210 at low speeds in traffic and the fan comes on to bring it down to 190.
Thermostats are not that cut and dried, as my normal driving temp is around 175-180 and like I said I had a new 195 stat in that I replaced to be sure it was doing what the guages said it was.