you'll hear it and feel it. Does the intercooler fan not only come on over a set intake temp?
I had mine on a switch 
Also, without the viscous, mine would get too hot in traffic in hot weather. But my front auxiliary fans were non workers...
It comes on when coolant reaches a temp hot enough to bring on main electric fans.
With the viscous fan attached, it seems to overcool the rad (most TDs with viscous fans I've seen have had knackered viscous couplings), thus in traffic, the electric fans never come on, and the intercooler fan starts to seize due to lack of use, and its low intake position.
If you are not towing, if your TD overheats without a viscous, you have another problem. The common ones are:
1) Radiator sludges up on these engines at about 120k (whether fitted to Omega, Rangie or beemer)
2) The awful waterpumps occasionally shed parts of an impellor, usually just before shedding the whole lot!
3) Poor oil servicing earlier in life (remember, these had 4.5k service intervals that nobody ever obeyed) causes a black sludge, which blocks the cooling jets.
The black sludge thing, in my experience, doesn't improve with subsequent quick oil changes (although mine was a fairly extreme case). I had to resort to the work of Satan, and pop a chemical flush in mine.
There is one cooling jet per cylinder, so even if just one is blocked, that will have an effect
Once I'd sorted my tractor, the viscous was removed, and it never went above 96C on the prefacelift gauage (so 92C on facelift gauge), be it on high speed runs up the motorways, up inclines, or around Lake District mountain passes with the back end trying to beat the front

. It was ragged everywhere.