Sounds more like coolant temps to me... at least crawling in traffic, maybe. Might be between 185-190s otherwise.. depends on the vehicle. Chevy fans used to kick on at 220 if I remember right. We are entering the summer months, so, fluid temperatures should be up.
As mentioned, never heard of a "dual purpose car" unless they mean a work truck or car you use for both work and personal.
If I remember right, coolant temperatures stay more the same whether it is hot or cold out, but oil temperatures can go up significantly with the ambient temperature of the outside air? That oil temps will vary more than coolant temps?
What about burning off fuel that might accumulate due to a cold start, water is mentioned but when does that "burn off" and what is the temperature a NOACK reading would come into play in a normal passenger car ICE engine. So many questions, I know.
And will thinner grades not heat up faster?