I've seen that on cold CA mornings (for us 35°!) where after 15 miles after a cold start then on to the highway I would be in the 160° range at most. It will take long time to get to normal temps of 190°.
And this was before I added a larger cooler last summer (Larger Ford OEM cooler mentioned by @HAP). So far our winter has been fairly mild with no real cold temps to see just how long it takes to get up to normal temp.
The average temperature of my ford is 95-deg approx. But when humidity level increases it goes on 180-deg sometimes. If they provide a machine which can calculate the oil and water temperature in gauge.