if it still running hot it may be the water pump at the end of it life..most times the fans wear out. the oil in the water is a sign that the there a leak. it better to be safe then to warp or crack a set of heads..my sister did that with her old toyota 22r truck...drove around with a bad rad and it overheated and crack the heads..she did not pull over when the light came on. as the car has 100,000 miles i would check when the timing belt or chain needs to be replaced and have all three done at the same time..it not going to be cheap but it save you if your belt or chain breaks. (did that on my old 92 status) few miles from home at a stop light..car will just die and that it..hand over your first born to a tow truck driver to haul it to a shop.