I ran my 89 sup without under tray for 3 years and temperature gauge never went more than half way and never lost coolant either . but if out side temperature more than 80F degree , coolant fan shround is a must . without coolant fan shrould , coolant fan won't be able to draw cool air through radiator fins caused coolant boil up quick ; if coolant fan clutch went bad , it won't alow coolant fan spool up at higher rpm when it needed . what i think is that you need to change thermostat , install a new or good used coolant fan shrould , check coolant fan clutch ( it should not spin by itself at all unless you turn it ) . wait until engine dead cold or early in the morning ; fill up your radiator and fill reservoir to full mark . if that not fix your problem then you might have to check coolant and oil to make sure they're not mix .