So my gut feeling is you car is perfectly normal. I had a different problem with my 360 when it was originally first on the road. The fan would cut in before the thermostat opened, therefore the fan was trying to cool a radiator that didn’t have hot water passing through it. During my investigation of this issue I discovered a couple of things that might be relevant to your car. 1, The gauge isn’t accurate, I.e if it reads 90, the ECU won’t be reading 90, they use different sensors. My gauge tends to over read the temperature. 2, There are two thermostats for Duratec engines a 82C stat and a 105C stat. My car had a 105C, which is the norm for 360/420 cars, therefore I bet your running temp is 105C If you want to check for my cars problem, just check it the bottom hose is cold when the fan starts, if it is then the fan is over acting. I fixed my problem by fitting the 82C stat, but I could have got CC to adjust the ECU fan settings. However as I said I suspect your car is working normally.