I need to fit one to my daily driver 200 TDI. If the cooling system is in peak condition (and mine is) then they are massively overcooled.
I was driving around for an hour+ today in mixed driving - motorway and 30 MPH roads. Temp never rose above 80 degrees on the top hose - that's with an electric fan fitted, so it would be worse with a viscous.
I don't think it's the covering of the rad that's such a big deal, it's probably the reduction in air flow around the engine that makes that little bit of difference. I normally cover 3/4 of the rad but leave the intercooler fully uncovered.