A thermostat sets the MINIMUM operating temperature of the engine. If the coolant temp rises much above the thermostat setting in normal operation (not pulling heavy loads uphill, or other high stress situations) you either don't have enough radiator, or the radiator and/or the engine water jacket is dirty. Last weekend, I towed a heavily loaded trailer over several mountain passes- - - - -the temp gauge on my tow vehicle never moved above the bottom third of the gauge range. No, it wasn't a stovebolt, but it has a clean, properly designed cooling system.
Jerry