As said, 195 is no problem, in fact the fan clutch probably doesn't engage until the engine is hotter than that. Some vehicles with electric fans don't turn 'em on until 210, the second one comes on at 220.
The vehicle doesn't care about 195. You shouldn't either.
As long as the engine temp stays reasonable, the in-radiator heat exchanger keeps the transmission at a stable temperature--warm when cold, cool when hot.
If you aren't carrying heavy loads, towing trailers up mountains, etc, you probably do not need another trans cooler. You'd be better-off by changing the filter and flushing the old fluid than to add a cooler you don't require. OTOH, if you ARE towing trailers or filling the bed with scrap-metal, driving in 2nd gear with the torque converter unlocked...sure, a trans cooler could be a good investment.
The vehicle doesn't care about 195. You shouldn't either.
As long as the engine temp stays reasonable, the in-radiator heat exchanger keeps the transmission at a stable temperature--warm when cold, cool when hot.
If you aren't carrying heavy loads, towing trailers up mountains, etc, you probably do not need another trans cooler. You'd be better-off by changing the filter and flushing the old fluid than to add a cooler you don't require. OTOH, if you ARE towing trailers or filling the bed with scrap-metal, driving in 2nd gear with the torque converter unlocked...sure, a trans cooler could be a good investment.