Engine running cold

It's mormal for the lower hose to be cooler than the upper. That just means the radiator did it's job.
With the engine at full operating temp, locate the 2 heater hoses where they go into the firewall and feel them to see if they are both hot to the touch. If not too hot to hold, then you have to look at the actual engine temp and if that is up, if it is, then your looking at a restricted heater core.
If you find that they are both too hot to hold, then the heat in that vehicle is controlled by a blend door that regulates heated air flow. It is operated by an electric motor/actuator. The problem can be that the actuator is stripped or inoperative or the door itself could be damaged. This is what needs to be determined by examining the actuator and see if it is responding to heat change commands or not.
If they are both not too hot to hold on to, then you either have a restricted heater core or the system is not completely full and getting air pockets for some reason.

If the engine isn't building enough heat, there isn't much you can do about that short of covering the radiator and that would be dangerous.

It's a cooling system, not a heating system. The engine generates it's own heat and the cooling system removes it. Yours is just working a little too good. The thermostat is the only thing that has the ability to bring the temp higher.

The ONLY thing you can do is install a 195 thermostat and make sure it's working. If the engine can't generate more heat than that, there's nothing you can do about it beyond restricting the air flow through the radiator annd I don't recommend that.

Is the fan clutch possibly locked up causing it to pull too much air through the radiator?..

See the guide below on symptoms of a bad fan clutch

https://www.2carpros.com/articles/fan-clutch-symptoms

It appears the original poster never returned to say if they found the problem or not. The only items that can really cause an engine to run cold are a faulty thermostat or a cooling fan that is pulling air all the time. If you are in a very cold environment a larger than stock radiator or running the heater on full shouldn't do anything more than cause it to take a bit longer to reach operating temperature. However a thermostat even slightly open or one that is faulty and opens at a lower temperature will cause it to not reach operating temperature at all as the coolant is constantly being cooled instead of being held in the engine to transfer heat.