I believe mine has the 180 right now as in normal driving, the temp gauge doesn't go above 1/4 way, unless it is a lot of stop and go.

that is fine in this heat but my concern is when it gets cold this winter, am I going to need to change to a 195 so that the heater will actually work?

I know the 3.8 series II has the same thing going, I used to have to swap stats between cold and hot seasons...

Now if it ran a 195 in hot weather, how would that effect performance and all?

What is the best route here? I am tepted to just swap back and forth or is that a bad idea?