... but it will go up to around 198-200 while idling sometimes,
The correct answer to this is; how long is a piece of string?

There is no way of us knowing, comparing that number to anything, far too many variables, like; was the cabin climate control cycling, what was the ambient, was it in full sun, etc, etc, etc. IMHO, 200F is well within the operating range and is nothing to even note, if we were talking +220F, now it is time to pay attention, maybe.
... thinking of doing the fan clutch fluid change too.
IMHO, good idea, a strong clutch is a good thing.
... Or replace all together with electric fan? Why don't more people do this for gas mileage and more consistant temps?
Because there is little/nothing to gain, mainly only losses. Electric fans are less efficient, the process of converting mechanical energy to electric (belt to alt), controlling it (relays, wire connections, etc), then converting it back to mechanical (motor to fan) has significant losses. Any gains are from careful control and most aftermarket systems don’t have the sophistication needed for any significant gain.
The factory fan can be very powerful, in a wheeling rig a powerful fan is a good thing. To make an electric as powerful is going to take a bunch of $$$, if even possible.
In a wheeling rig reliability is king, the cooling system is one that most would agree is critical and there is nothing more reliable that a fan driven by a belt, period. Instant, quick failure is very rare, most common is clutch bearing locking, this leaves the fan full on, the rig drivable. With a complicated, electric system there are a ton of failure points, most all leave the fan dead, so rig useless.