W/r/t "It allowed the engine to warm up quicker"
The thermostat temperature has nothing to do with it. The engine will reach 160 at the same time with any closed thermostat.
As said, a 195 thermostat gives better cabin heat, keeps the oil cleaner by boiling off the water vapor, and will allow leaner cruise mixture for mileage (if your system and heater core will stand the pressure).
The down-side? a 195 thermostat makes the engine more knock-sensitive.
