Two years ago, I installed a new Nissens radiator in my car due to failure of the original unit.
Two weekends ago, as part of the process of replacing the fan clutch on my car, I had to remove the radiator (again) so as to get a better angle & more room to remove the "stuck" 8mm fan clutch bolt.
I found that in just two years, and probably 10,000 miles, there was a significant amount of "crap" that had accumulated in the lower portion of the radiator fins. I used a brush and removed it once I had the radiator out of the car. I don't think it was affecting cooling efficiency, because nothing was absolutely blocked, but there is definite possibility that for a radiator that hasn't been removed and cleaned, that there is diminished cooling capacity due to collection of crud at the bottom portion of the radiator.
It's about a 30-minute job to remove the radiator and same to replace it. Not too difficult a job -- biggest pain is draining the thing !!
Thermostat is a good proactive replacement, particularly if it's never been documented as being done. I did this job earlier this year and have a HOW-TO on it. Good opportunity to replace cooling hoses in the area, as well.
Cheers,
Gerry