I recently mounted a digital water temperature gauge on my '07 650R which comes stock with an idiot light only. Judging by my '07 and a number of other watercooled bikes I've owned, 104C at a light is normal and since your fan knocks the temperature back quickly you've nothing to worry about. If/when temps hit 110C or more you'd better check the coolant level and overflow tank to make sure you're not low. If you don't like the difference between running temp and the dramatic rise at a stop you could add a handlebar switch to proactively activate the fan.