195°F (90°C) is generally considered within the normal operating temperature range for a 1997 Chevy Cavalier engine after a proper warm-up. However, the exact ideal temperature can vary slightly depending on the specific engine and ambient conditions. If the gauge is consistently staying around 195 and the car is running smoothly without any other issues (like overheating, leaks, or performance problems), then it's likely fine.
If you have any doubts, or if the temperature ever fluctuates wildly or goes significantly higher or lower, it's best to have a mechanic check it out. A small problem could become a larger, more expensive one if ignored.