Update- I changed the stock 195 tstat to a 180 tstat. When the guage reads 180-190 it kicks on and goes down. Just as the 195 did around 200. But then the same thing happened: it creeps up past 180 (195 before) and keeps going. Now it settles in around 205 until I stop at a light. Then it goes up very quickly to 220. That can't be good.

I do not have a shroud. Could that be the answer?
I'll search for the other thread mentioned.