An engine has an acceptable low operating temperature, correct. But ask why is all temperature adjustments ended at 160°f- because there all the required heat for good operation is met.
While the company location I worked at was in LasVegas for the fleet- the company had trucks throughout Nevada, Utah, Az. So I didn’t have to do the “won’t start because it’s too cold” outside of 3 cold months- we did do monitoring through the fleet in the Sierra Nevada’s, Salt Lake City, etc.
It is possible that some modifications make better mpg possible at 195 than 180, we found same mpg and actually better power output* at 180 than 195. Depending on the turbo, timing changes, fueling changes, etc. - sure many people say they get 1 more mpg at 195 than 180. But with stock or slightly modified tunes- and slight bigger turbo (no more than hx35 basic sizes) we never got ratings of 1mpg or more increased from 195 in the thousands and thousands of 6.5 rolling.
* watch any power tv shows, reading any of the magazines, talking to most dyno shops- Almost all of them agree more power is produced at lower temperatures and often dyno test in modern gas engines are done at 135°f now because of it. All the diesel dyno shops do them at the minimum temperature the computer or sensors removes limiters or timing alterations. (Again 160° for 6.5).
If you want really hot heater- yes running a 195 stat (or 2 for most folks) your ur engine will stay hot and therefore your cab heater will work better.
I suggest you make sure your 20+ year old heater core doesn’t have debris damage on it first and not risk engine over it. All our fleet that wasn’t in testing went to 180 stats because when something went wrong like heater hose rupture or something- there is more headroom for the engine to deal with the added heat and not be destroyed.
adding a low coolant sensor for ones not equipped, and adding an audible alarm and maybe a flashing light for low coolant and/or high temperature.
I don’t want to make it sound dangerous to run at 195, that is fine. But:
Know that the dash gauges often are off-read a quality temp gauge.
Learn about balance flow issue. And ALWAYS:
at 200 be worried
at 210 watch the gauge more than the road
at 220 pull over, stop, let idle until back down to 195