NEVER use less than a 180 stat in those older engines. Running them too cold is hard on the parts, and on the wallet as they will consume more fuel for "normal" driving.
With correct tuning your engine may favor the 195 stat, and it will not hurt anything being in there. Most modern engines run pretty hot. The engineers figured out that thermal efficiency can work in their favor when it comes to using the least amount of fuel per mile, and make more power, etc.....Cliff