I don't typically see temps over 198 on mine, other than that sometimes it will spike up a bit right after I shut it off which is normal. Where you live and how you drive makes a lot of difference though. Its pretty cold here most of the year and I have mostly open highway driving. In a warm climate with a lot of heavy traffic your temps are much more likely.
You can always take a peak under the hood to confirm that your coolant reservoir is full, and roll down your window and make sure you can hear the coolant fan running when its that hot, thats about the only thing you can easily check yourself. Other than that, the car will throw a warning at you if the temps get truly too high so if it isn't throwing a warning at you don't sweat 228*. Don't get me wrong, 228* is piping but still within designed operating range for this engine and its type of coolant. Its up there though. I only see 220* if I get stuck in some slow moving traffic while towing, it seems like.
As far as I know, the oil cooler is always cooling. I don't think there is any valve or thermostat for that. I'm not sure if cars without the towing package necessarily get the oil cooler though? I guess when I go to the Jeep website and build a compass and add the towing packing they don't mention oil cooler, so maybe they all do have them these days. They probably do.