The Zetec has a two stage cooling fan.
The only way you are going to find out if the "L" trip point is right or wrong is to actually measure the temperature of the cooling system. Santa broght me a neat little IR thermometer from Sears (about $50) so I can now measure the exact temperature of things such as the water outlet housing without actually touching them. Pretty cool little toy.
Low speed should kick on around 210F, high speed should come in about 220F.
BTW, there is no "fan activation switch" on this car. There is an ECT (Engine Coolant Temp) sensor that tells the computer what the operating temp of the system is at. The dash guage is run by a separate, different sensor.
Steve