Tree Frog, I guess I assumed from your first post that when you said "I can't get the temp to 200" that you meant it hovered just below 200 all the time (a good thing), not that it fluctuated a bunch. If after your jeep warms up the temp starts dropping, it certainly is a safe bet the tstat is stuck open. I run almost the exact same setup you do (3 row rad, new dealership hoses, mr. gasket 195; I don't have a fancy waterpump though) and my temperature sticks between 195-200 at all times. Only a few times has it gotten to around 210, but it never falls under 195; the tstat closes a bit to keep it from cooling off.
At one point I ran a Mr. Gasket 180 but for some odd reason it seemed to open at about 150 or so; not good. Before my radiator upgrade the system couldn't keep the temp at 150 for long (obviously) while in the city, but it cooled way down on the highway so I had those huge fluctuations. I quickly switched back to a 195, wallet thanked me for it at the pump.