When driving in hot weather with the A/C on, it's actually pretty common for the temp gauge to read over into the A-L range of NORMAL. If it's 100 degrees outside, it's even hotter above pavement that's absorbing and radiating heat, and the air going through the A/C condenser is that hot, hot air, which makes the air going through the radiator (after it goes through the condenser) already hot, so the engine isn't cooled as well.
The fan clutch should spin a few rounds freely when cold, as in the engine hasn't been operated for hours. It will probably only spin a few times due to friction, but if it doesn't spin and there is resistance when cold, it's probably not working as intended.
The other thing is the fan clutch might not be the correct one. Ford made regular duty and heavy duty fan clutches for the Explorer. 5-speed manual transmission equipped models usually had the regular duty (though those with "super engine cooling" had the heavy duty), and those with automatic transmissions had the heavy duty clutch.
In the aftermarket, there are regular duty, heavy duty, and severe duty fan clutches. Severe duty is for hot, hot climates when the air temp and having A/C on really requires moving air.
If you have a regular duty fan clutch on a vehicle with an automatic transmisson, and you're trying to use it in 100 degree weather with the A/C on, it's just going to run warm because the fan clutch can't move enough air to keep up.
It's pretty easy to tell a standard duty fan clutch from a heavy duty or severe duty fan clutch.
A standard duty fan clutch is thinner and barely has any fins, like this:
A heavy duty fan clutch is thicker and has lots of fins, like this:
A severe duty fan clutch looks like a heavy duty fan clutch, but just engages even more.
You may also be using a fan that's incorrect for the application. Many times, an aftermarket fan is used, and it winds up being the 9-blade Dorman fan. They can work ok in more temperate climates, but will not be up to the task of cooling a vehicle with an automatic transmission in 100-degree weather. They can also cool poorly if the spacer is not used, as the fan will not be positioned in the shroud correctly for maximum airflow.
The correct fan to use is the 10-blade replacement Motorcraft fan from Ford, or the similar aftermarket knockoff from Depo:
You can usually also use an 11-blade fan for later model 95-01 Explorers.
You should also be sure you're using good coolant and in a 50/50 mix with water. Dex-cool antifreeze like Prestone (even the regular green Prestone is now the same chemistry as Dex-cool) isn't as good as using regular green ethylene glycol coolants or newer alternatives.
The best coolant to use for the 4.0L V6 is probably either Zerex Green (green ethylene glycol, same as the Explorer originally came with from the factory), or Zerex G-05, which is a yellow color coolant that is what new Ford vehicles come with from the factory. Both coolants are available from NAPA. You can also just get coolant from Ford, as they sell both the green and yellow, but it generally costs more than the Zerex, and the Ford coolants are just Zerex coolant in a Ford labeled bottle.