A lot of the "overheating" issues come from the back yard mechanics. Same with the oil pressure. Reason most vehicle manufacturers put in the idiot lights instead of gages, is for the simple reason to only fix something if the red light comes on. Give a guy a gage, and right away he thinks he's smarter than the engineers that designed the engine. These two topics have been beat to death for no good reason. If and when I read about engines freezing up because of lack of oil pressure or read of Maxes boiling over because they all run too hot, I'll make a change. In the mean time I'll go with what the factory decided. There is NO ONE out there that knows this motor better than Yamaha.
Lets all play doctors and lower the wife's temperature from 98.6 to 95. It's only a few degrees, what could it hurt? And besides, she might run better, but would be dead in a few days. Believe me, it matters.
Coolant? It doesn't get any better than a 50-50 mix of good antifreeze. It raises the boiling point, lubricates the pump, keeps the radiator cleaner and lowers the freezing point. These bikes haven't been around for over 20 years in spite of so called cooling and lubrication problems. Some say yay and I say nay. You go with what your common sense tells you.