Thermostat or not

One way to test if your clutch is toast (I've heard) is to watch while someone else shuts down the car. If it keeps spinning at all after the motor is off...its bad. If it stops right when it should...it's ok.

Also, a 195 is a little bit of a hot stat (IMO). I'd test your clutch to make sure it's spinning your fan correctly, and put a 180 in....you dont need your motor to warm up to 195 before opening and allowing the coolant to flow for any reason, so I'd switch to a 180.

Oh and yes run a stat...and get a good temp gauge to see exactly what your running at!