the best possible thing you can do as far as cheap upgrade goes IMO is to put your electric fan on a toggle switch so that it will run constant when you want it to. Here in Texas at a pretty constant 100 plus degrees during summer months my jeep will run all day at about 190 degrees if I leave the fan on while Im driving. I have never seen an XJ that runs the "195Degree" optimal temperature without help ie upgrades or constant maintenance and low mileage most run about 200-210 wich is running hot to me before I get beat up about that statement keep in mind that is my experience here in Texas with our heat