I hear ya on being short of cash, but if you drop $50 on a non contact thermometer, you can take cylinder head temperature readings yourself and decide just how hot you want to run your "oven".
My story, I went ahead and bought the Harley oil temp gauge, and it has worked flawlessly for 23k miles. I live in Wisconsin, and run Mobile One v-twin, and Hogg Chopps lowers. Just did a 900 miles three day weekend this past FRI-SAT-SUN, and actually crossed over into the UP of michigan one evening.
I saw oil temps consistently between 230 and 255 degrees, and we were running hard, (third gear, from 2-4k, running sweepers for hours on end each day). Outside air temps were never over 90 degrees, and it got down to 60 degrees at night.
I'm still debating adding an oil cooler based on this last weekend.
73 Sporty - Sold
07 Sporty - Sold
09 Vivid Black Road Glide (FLTR) with ABS, Security, Fuelmoto Satge One, Clearview, Harley Hammock Seat, Hogg Chopps Lowers, Bright Ass Tail Light, SERG Headlight Bezel, Detachable King Tour Pak, Painted Inner Fairing, Cruising Southeasten Wisconsin, Delivered 3/6/2009:clap:
09 Black Fat Bob (FXDF) in Vivid Black of course, Delivered 5/1/2009