Midnightman,

You're not the only one that feels that the temperature sensors in cars aren't accurate. Seems like everyone does!

I've been checking the sensor in my RAM and CF against every temperature display I see (like banks and so forth).

The sensor in my RAM is always within 1 degree, except when I first start out. I think that's because Dodge mounted it in the hood, just above the radiator, and it takes a little airflow to get it adjusted to the outside air.

The sensor in the CF is mounted, as pointed out above, in the lower grill work and it is always within 1 degree of the bank's temperature display. My carpool buddy did, on one occasion, prophet the theory that it was colder outside than my CF gage indicated (101), and that the reason for that was because the sensor is close to the road and includes heat coming off the road (we were moving at about 40 MPH at the time).
He might be right about that, I haven't taken any time to try to prove/disprove his theory.