Fan clutch not working properly?

Hello. I'm actually asking this question because of a question an expert asked the OP in their posted response.

I plan on replacing my fan clutch and water pump because I don't know if it's ever been done, and TB has a lot of miles. It is starting to act up, staying engaged and keeping engine temperature too low. Not constant. Most noticeable on hard acceleration because it's loud, but I know it's happening even if at lower speed when driving slower because engine coolant temperature will be dropping.

A response to the original poster with a similar problem came from an expert asking if this was first happening when it was cold and just started. That's when I have my problems, and as the day/drive goes on, the problem goes away. This is hugely problematic though since I live in very cold weather and it will drop the temperature by a lot and suddenly, I'm driving a "cold" engine (180), riding rough, eating gas etc. The original poster of a similar question never answered the expert's question, so I didn't get to see why and how that is relevant.