Not totally sure about the fuel gauge, but how many miles do you have on your thermostat, water pump, coolant? I'm coming up on 100k in my '98 and my temp gauge hangs out right about where yours seems to be. I was a little confused about this as I'm just used to temps being higher...as are you...but I'm about to swap a new thermostat and flush and fill coolant before spring gets into full swing, so we'll see if that affects normal op temp. As far as the fuel gauge goes just a few things I would check would be fuses, connections behind the gauge cluster, float, or relay? I believe the default position for the fuel gauge is buried in the E position, so I would assume that it is still getting some sort of a signal....which makes it more confusing, and unfortunately points to a problem with relays rather than the cluster itself