Temps
needpower, I've been told the Yamahas are more sensitive to temps because the rear of the cylinder (exhaust) run hotter than the front (intake) air flow side. On the dyno cylinder distortion shows up as a power loss at temps above 190. That's why the yami fan comes on at 180. So for the yami, 195 a bit warm for power, but probably good for engine longevity.
As for the other bike engines, I believe the c3 195 is not too hot and is better for engine longevity than 180. Temps above 200 will not damage the engine unless the coolant boils resulting in rapid temp rise at hot spots. So on our bikes boil over is the big threat.
I was an auto tech instructor in the late 70's. We learned the valve of increased engine temps in the 70's with the advent of emission controls. When we went to 195 and 210 thermostats back then everything improved especially engine longevity.
I am going to have a temp gauge on my oil this year. Given the snowbike environment, I suspect the oil runs too cold. Oil film strength is better/stronger at 200 degrees than at 100. Ideal oil temp is over 200. It's gotta be over 212 to boil off moisture and fuel. I suspect our oil runs colder than that and increased coolant temps (195vs180) will help.