that's not really hot. the 195 number is where it opens, not what temp you'll run at. 10 degrees hotter than the stat, isn't anything to sweat.

running a cooler stat won't necessarily make you run cooler. it will just open sooner. it regulates temp to a point, but the engine is going to run at a temp, it's going to run. use a high flow stat, if you want. remember to put a "burp" hole in the disc, if it doesn't have one already to prevent air pocket.