I did a bit more test driving and the trans really is shifting though 1-2-3. 1st shifts to 2nd at 3500rpm@20mph if I lift off the gas a little, then it shifts from 2nd to 3rd at 2250rpm@35mph but only drops about 200rpm after the shift. I never make it into 4th regardless of speed.

The temp guage is barely reaching the "N" in normal even after 45mins of drive time and it sure acts a lot like a Contour does on a cold winter morning.

Appears to be a thermostat issue. Can an amatuer replace one of these things or should I leave it up to a shop?