i have checked just about everything now. I have had it on test for a week and I can now tell you where I am on my way to work and back by looking at the temperature gauge. It is not overheating in the real sense of the word unless I get on a major hill, but next year my better half is going to be driving it towing a caravan and my life will be about as worthless as a triplet of dead rats in a tampon factory if it breaks down (I'm already in enough trouble for buying it in the first place; so much so that I am now mending it in secret).
I have a sneaking suspicion that the head gasket is on its way out. Not enough for a sniffer to detect but just enough to cause problems under heavy load, either that or the head bolts are loose.
I need to do the timing chain anyway so might as well give the engine an overhaul.
I don't know about the diesel, but at least for the petrol, the gauge should never go beyond the 12-o'clock no matter the load. The only movement you should see from the gauge is when it's warming up from cold, and it will also drop quite a bit if you roll down a long hill with your foot off the throttle and the outside temperature isn't very high. Unless you have some sort of instrument failure, it would seem you have a problem that needs fixing.