In the old days when it was Smiths thermostats you could get various temps. so if 82 degrees was standard I would fit a 88 degree one as it warmed up the heater quicker and with the benefit as you say of better fuel consumption and quieter engine as all the metal had expanded to it's correct normal working temp.Looks like a new stat is on the cards then as my next attempt to resolve this. Annoyingly I had the exact same issue with my last car, a 1995 Jaguar XJ6. It was a slight adjustment switching to a Panda after that! Replaced the Jag's thermostat to tackle cool running and poor MPG, it only made it run colder. Perhaps new thermostats and I just don't get on.
I ran a Vauxhall Victor 101 and a 1965 Singer Gazelle with now fan at all without any over heating issues (just bolted pulley back on without the fan blades) and I never held back in my driving
I recall working at a Mazda Franchise at the customers request we fitted a Kenlowe fan to his brand new Mazda 323 (RWD in those days) we had to blank off the whole radiator to get the fan to cut in to test it.