Your Jeep needs the proper 195 degree thermostat so the computer will be happy, the computer was programmed around that temperature thermostat. In really cold weather, the engine won't even warm up fully unless it is running a 195 degree thermostat. And in hot weather, know too that an engine won't run any cooler with a lower temperature thermostat... a thermostat's job is only to set the engine's minimum temperature. And the odds are very good your thermostat is simply defective or stuck open, replace it.
Make sure the thermostat is facing the right direction when you install it and if it has a bleed hole which helps bleed out trapped air, position the bleed hole at the top.