If you are thinking of removing fan totally and just relying on the stat that is a mistake....... ..there WILL be times when engine absolutely needs the fan working. Like at idle and traffic light.
Here's a bit more food for thought. Running temperature is a relative thing. We old people were (at least I was) taught that the engine runs better at 180 than 195, but not so. FYI, all engines run a bit hotter than the stat value, or a pretty close to a solid ten degrees plus over what the stat is rated at, because stat BEGINS to open at that rated temp. It opens further but only as water gets hotter. That makes a 180 stat run engine closer to 190 real world, and a 195 runs closer to 205+. That's important for emissions, HC reduces with more temperature but that's not where I'm going. I have later MPFI cars and all are 195 stat and no way would I consider changing that for lower even though the stats are available to do it. First reason, the PCM looks for the higher temp and going to closed loop is sharply defined by that. Running a lower temp stat can get you much worse gas mileage as the PCM then takes longer to go to closed loop and also richens based on the colder temp. The most important reason though is that the engine will last MUCH longer with the hotter stat if everything else is kept in good shape. Why? The hotter stat puts engine temp closer to 212 boiling and at that point all water that gets into the oil then steams out to be sucked off by the PCV system. That's why you can pull a valve cover off a hotter running engine and find virtually no sludge or varnish on engines with over 150K on them. Do that on a colder stat motor and I guarantee you'll find far more sludge, it is formed by having water in the oil because the water doesn't get burned off. The water is necessary for the chemical reaction that turns oil residues into acids, the acids then form sludge. Modern engines pretty much all run hotter, the 3 zetecs I have do not even turn on electric fan until engine hits 220 degrees to guarantee the water is gone. That of course leaves you less squeeze room in an emergency like blown hose or bad water pump, you will be much closer to head gasket blowing temps and why you have to stay after the engine maintenance to make sure it doesn't happen. Why many later engines in junkyard have blown head gaskets, the norm of human nature, or I'm not fixing squat there. Stupid, as the engines can often run to over 300K now and that running hotter is one big fat reason why. A really good reason to keep that PCV in good working order as well.