I mentioned the high speed relay for fan as it appears in the circuit diagram for them, though I have been unable to ascertain its location on my own vehicle but haven't had a reason to research it further...
I would lean towards a possible failed thermostat, a water pump would let you know by noise, leaking or just getting hot at idle.
The other thing is have you done a lot of driving in grassy paddocks, scrubby dirt roads etc, grass seeds and stuff can build a big barrier between the Radiator, AC Condensor and Intercooler and other coolers fitted, the only decent way to clean the them properly without damage is to remove the intercooler and radiator,blow them out the AC can be done in situ, it doesn't take much to restrict the air flow either but hosing or blowing while they are all mounted can only compound the problem....Just a possible cause though.
..... Mine towing a 2.8t 23ft van normally runs at eng 105 or so and tranny from 89 to 99 any higher I don't like..... usually running at about 90-100kph, haven't had to fight big arse head winds or monster hills in the Jeep yet, but soon as my tranny hits 95 I start hitting the paddles and find the happy rev/temp range ignoring the speedo mostly but only 6mths in this Jeep so still finding the sweet spots but never like my tranny temp over 100.
Van to Fan fixed ...........