I have a TN95A.
The TN60, 70, 75, 85, 95A's are all enough the same to be covered under the same factory manual.
I have never worry about it running cold since I live in Texas. I have alway looked at the temp, and it has always been cool, except one time I was shredding a field, in 100+ degree outside air, 4 wd, and the bearing going out on the shredder. The gauge needle was straight up, but not any where close to over heating.
From these posts, I am wondering if it is in the design of the engine.