Don't sell yourself short - you are NOT "just a girl"
If a guy can do it I'm sure a gal can!
It does sound like it's too hot. But it may not mean that the ENGINE is too hot. The pee hole is a slightly different circuit and it's possible that the circuit is slightly clogged which could, in theory, cause the water to be hotter as it spends more time "inside". The rectifier, for example.
But, yes, a t-stat that isn't opening enough could certainly also be a problem. Use an IR gun or temp probe with a multi-meter and see what temps you have at the t-stats... although I think for this issue, you would focus on the port side since I think that's the side the engine pees from? If the physical temp at the t-stat is too hot, then pull them out and check and or replace. If the temp is good, I'd leave that alone for now.
If you don't have a service manual (which would be a good idea) google for something like Yamaha F225 cooling system diagram. You should be able to find a water flow diagram. Check for flow at various spots.
FYI, you can flush the motor with it still tilted down. I don't know if it flushes "not as good" with the engine tilted up, though, so maybe it doesn't matter.
So... "crazy beautiful" or "pretty crazy"?