Hey, footshooter5, welcome to the forum. Buying a Kymco is a very good reason for joining this forum, not to mention it's fun also. You'll enjoy it. Now to you temp. gauge. Riding in sub freezing weather can keep your engine from reaching it normal operating temp., however, not by as much as you described. In fact, after eight miles, the indicated water temp, should look almost normal. (about mid-way) Is you route highway or surface streets. Higher RPM's will yield more heat, but your cooling system, if working properly, with the correct ratio of water and glycol, should maintain in the mid-rage on your gauge. Have you checked to make sure you have enough anti-freeze? ( -34 degrees)
You have an eleven year old scooter and unless you you know the absolute history ie: maint. Records, receipts or know the previous owner, it would be a good idea to bring all required service up to date, especially engine oil and filter, final reduction gear oil, coolant flush and refresh. Then you know what you have and you can keep your service up from there.
You know your thermostat isn't stuck closed, but it could be stuck open. I would recommend you do a full service and then see if it doesn't register correctly. Good luck
Mac, aka "ole two wheels"