Jim, Here are my thoughts on where you are. First, you want to set the electric fan turn on temp at about 180-190, turning it on before the thermostat opens does nothing. It should also come on with the A/C if you have one. Next, I'd remove the thermostat and run the engine without it and see if the problem still occurs. If so, and assuming the water pump is good, then you have a blockage of rust in the engine block or a leaking head gasket or cracked head. There is a tool available that can detect for a blown head gasket/cracked head by detecting exhaust gasses coming out of the radiator cap area when running. (I'd check for that with the thermostat removed so you are fighting the thermostat). If there aren't any exhaust fumes in the water, then a blockage in the engine block is a probability. If this is true, then you can remove the rear most freeze plug on one side of the engine block and get as much of the rust out of that side of the engine. Install a new plug and then do the other side of the engine block.