Agree, if it is out of spec, but I have never seen one out of spec. All that I have tested have been very consistent, at what temp was yours fully open before you set it?
If you monitor fan output temp, you will see that it's in the 170-190F range when idling/stop & go traffic on hot days. For example the Eaton I did yesterday started opening at 120F and fully open at ~160F. So at low motor/rig speeds it's going to be fully open.
If I had set it to 95/135F it would still be fully open at low motor/rig speeds, no advantage, fully open = fully open. But also would be fully open at highway cruise speed ~130-140F wasting energy where it's not needed.
I have set them all over and have never seen an measurable advantage to setting them too cool. When thicker fluid is used, each valve opening is stronger than stock. Mine is set the other way (IIRC ~125-175F) and works great.