Dumb question, maybe?
Is it ok to drive for a short while with the t stat opening too soon? Is there a chance of excessive carbon buildup fro the engine running cool?
It's not a dumb question, I wouldn't worry too much about a carbon build up if it for a short period. Oil needs to get to a certain temperature to lubricate properly. You always read that starting a car is hard on a car till it gets to operating temperatures, the reason for that is the oil hasn't reached the temperature it needs to work. The oil is about 10° hotter than your coolant temperature so I like to run my coolant at 190° to 210°