You probably have a 160* stat, but that won't affect the max temp the engine will reach, it more so regulates the minimum temp that it will maintain. I think that it should be cooler than what it seems to be (about 200*F). You might want to look at the impeller to make sure its in good shape. A boat that new should not have corrosion in the exhaust risers but it is possible.
The best thing you can do is pick up a Mercruiser factory shop manual for your engine package. It is the best way to learn basic maintenance and making sure all the drains are adequately drained. This is important because if you miss one drain, you will have freeze damage. The basic principles are that you need to get all the raw water out, of the engine, exhaust manifolds and engine mounted impeller if so equipped. I do back fill with -100 antifreeze to reduce corrosion but this is optional. Whatever you do, DO NOT use the suck up the A/F kits with the winterizing tank. That can cause a cracked block if you do not drain the block before hand and the thermostat does not open all the way long enough to get all the raw water out.
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