Well...with some help from the guys at the auto hobby shop (I'm Air Force)....I think I figured out what is going on. Makes sense logically...but I've never had an issue before.
I have PermaCool dual electric fans and they turn on every 12 seconds for about 5 seconds (yes I timed it when I was trying to get the temp up), which doesn't allow the engine to come up to temp. I've noticed this driving...that the temp gauge is rarely above like 160 or so. So I pulled the fuse on the fans and the temp went up to the "more normal" 200 degree range. The guy there told me it is because when I have the defrost on, the fans cycle to keep the air conditioning compressor from over heating (I'm paraphrasing here....something about the condenser, etc)....

So since I have the defrost on this time of year, the fans never let the engine temp come up. There is a wire (blue) that goes down to the compressor that tells the fans when the ac is on and that is what is turning the fans on. Not sure how that works, becasue inside, the AC light isn't on when in defrost??? Is it still on no matter what? The fans have been in for over 5 years and I've never seen this before.....mabye I've never driven when it is this cold....I don't know.....Does this sound like what is going on to you guys? I'm gonna call PermaCool tomorrow and see what they say.