I think the one way to know is to try it... I'll get a 3.5 for now and once I find a tuner near me, I'll put it on. But I'm pretty dead-set on keeping the 195 stat.... sorry, but I just feel like it matters, not only MPG's but longevity too.
As far as fan turn-on points, I'm not really into the strip and I don't live in the city, so it's not as huge for me as it is for some. If I can street my car and wax enough people there I'll be more than happy. But just in case I'll make sure when I tune to get the turn-on points lowered. Where should I set them for a 195 stat... 195?