I think your numbers are off. Mine runs around 180-190 without a load. And the guage is in the middle at that temperature.Ok, so I'm new but I recently purchased a 2011nd pulled our Mastercraft to the lake. Looked great. Should have taken a pic. White and black boat with white and black truck.
Anyway, very hilly Arizona heat I got into the 120s. I spoke with Ford and they said that was still Ok. In fact I could see as high as 135, but to bring it in if it got any higher.
Further I asked my trusted diesel mechanic friends and they didn't seem terribly worried stating that these newer tranny coolers run through the radiator so they will more closely mirror the engine temp and that the tranny cooler probably doesn't kick on until 190s are reached.
That being said, I am looking into getting an aftermarket cooler or bigger pan to hold more fluid.