I wouldnt really worry about my temp being too low unless there's a sensor or something wrong. You could use the scanner to make sure your computer is getting the right tempeture reading and as long as thats right it doesnt matter. I know my guage is quite a bit off from what readings I'm getting from my computer's readings.
DD- 1995 YJ 2.5L, Cat delete, 19lb injectors, 30/9.5r15
Trail Rig- 1994 YJ 4.0L, Rubicon Express 4.5inch lift, 1inch body, D30 Aussie, 33/12.5/r15 Cooper Mud Terrains, front bumper, rocker guards