The engine overheating at red lights and such is a good sign that your fans arent working. instead of turning the heat on, turn the a/c on and this should over-ride the fans and kick them on. if not, then there is likely a bad fuse in the fuse box under the hood. if the fuses are good, have the relays tested. is there a check engine light on? if so, scan the codes and see if there is anything related to the cooling fan.
and as for the 180 degree vs the 195 degree thermostat. you can run the 180 without and repercussions. worst case scenerio it will throw a code in the winter for staying in closed loop too long. It will do no damage to the engine and you will likely see a power increase as the engine is staying cooler. I ran a 180 degree thermostat in my '93 Dodge Dakota and it loves it. My gf now has the truck, and that thermostat's been in it for 2 1/2 years now and its never had a problem. I actually just found out theres a 180 degree thermostat for my '99 Olds Alero, so I'm gunna be putting one in this payday. They are more beneficial than anything. I highly suggest a 180 degree thermostat!!!