What thermostat do you have in it? 195 degrees is the stock thermostat so your temps seem to be fine for that. You have underdrives, so it might run a little warmer than normal. Do you have an electric fan or a traditional fan?
For your SN95, that's about normal. Remember, on its own, the low speed fan wont come on till 208*F. You really should heat up to 210*, and then cool down to 200*F (that's when low kicks off). But for a 94-95, those temps are not unusual at all if it's hot outside.
An aftermarket radiator and CPU fan on/off threshold change, or aftermarket fan controller really help things out (it's stupid to run a 180*F t-stat and have to wait till 208*F to get the low speed fan to come on).