So a poor design then, like the Honda 1.5. Does it also result in fuel dilution?The thermostat is not stuck open.
It's a Ford thing. My Ranger does the same, Mom's Maverick does as well. Ford is using that heat to get the transmission temp up quicker, for efficiency purposes. That's why they've moved everything over to liquid-liquid heat exchangers instead of the old air-cooled transmission coolers of the past, they can use the engine heat to increase the system efficiency. Add that to the GDI engines being more efficient (and much smaller) and not generating a lot of heat at idle and you get exactly what you describe. If you have your heater blowing on high, you can watch the temp gauge fall. Once all the metal parts under the hood are up to temp, you've got enough leftover heat that the needle will get to normal and stay there.
If the thermostat is stuck open the ECU will throw a code. It knows the outside temp, and how much fuel it is burning, and can figure out where the temp should be, if it is far enough out of whack, it will set a DTC.