For the ECT/ACT temp question, you can get close to knowing ECT temps if you have a mechanical water temp gauge. I usually check it at ambient temps (rediculously hot where I live) and at operating temps (if my mech water temp gauges says 190*F, I assume my ECT sensor is close to the same temp itself).
Ditto the ACT, though it's tougher since we dont have air temp gauges. I suppose you could pull the sensor after you read it and hit it with an IR thermometer. On the ACT (since I dont see it as crucial as the ECT), I just ensure it's not totally haywire like JR noted.