MadMerc, I think you may be crossing the "low-speeds" with the HVAC low speeds not working (HVAC only working on high) problem. If not, then I must be confused (Baby girl is SICK SICK SICK and I am running on no sleep for two days, working during the day and staying up at night to make sure she doesn't throw up/choke at night)
The single fan is a two stage fan.
The Zetec engine does run hotter than you would "think" it would.
The gauge is not all that accurate. (you can see from the "normal" ratings, instead of temperature, that its gonna be hard to determine coolant temps by relying on the gauge.)
You DO need to bleed the cooling system of most/all of the air, though without any built in ways of doing so, you can only remove the resevoir cap and massage the coolant lines to "burp" the car of any lodged air.
Welcome to CEG. Thanks for utilizing our search feature rather thoroughly (apparently).
Ray