I ran a 205 thermostat* in my truck for about two years. Maybe three.
I can hardly wait to hear your heads explode.
There's nothing wrong with a 195 thermostat in a street-driven vehicle. In the old days, the "HOT" light didn't come on until 240--265 degrees, depending on application.
In a perfect world, the intake manifold and cylinder head intake ports would be run relatively cool, the block, crank, pistons would run relatively hot. But it doesn't work that way in real life.
*Couldn't get the cab warm enough in the winter. Turned out, I had failed "foam" gaskets between the cowl and the HVAC blower fan compartment, leaking subzero air into the cab. Once I ripped the entire dash out to replace all the rotted "foam" gaskets, the truck was plenty warm with a plain ol' 195-degree thermostat.