My father always told me "fix a problem before it becomes a problem" I know 220 is not considered overheating, but I also know that when you reach the red zone, you already have a problem. My goal is to stay as far away from the red zone as practicable. Every other (non-GM) I have driven, the gauge never passes the center line, 220 is one notch over, which sets off the warning bells in my head.
My concern today was seeing a 13 degree spike (200 vs 213) when the AC normally adds no more than 4-6 degrees to the engine temp.
As for cleaning out between the fans and radiator, the old owner did that at 180k.