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It does not sound like anything is bad or broken because 190-205 is a good temp. Since you were running cooler last year prior to a carb re-build and intake gasket replacement, I would make sure your not running lean, that will effect your cylinder temp when under load and so will the timing being off.
Also things do break or go bad, so how something is last year does not mean it will be the same the following year.
It turned out to be 2 things. I found a vacuum leak (Carb gasket) and I re-bled the system and got some more air out. I also replaced the fan clutch just because. I thought that was the final fix. The engine idles great even with the A /C on. I took it for a ride and the temp was still up to 205 under heavy load so I decided to check the accuracy of the NEW temp gauge I installed last year. Purchased a laser thermometer at H.F. and the temp at the water neck is 190 when the gauge reads 205 which from what I have read is normal. Hope this helps someone else! Thanks for all the advice!