The worst that will happen if yoru thermostat sticks is your car will overheat and the expanded coolant will run into your overflow tank (thermostat stuck shut). If it sticks open, your heater will not work in winter.
If you catch it very quickly, I'll agree. Otherwise, there is a lot of damage that can be done.
If you are taking it to a dealer or mechanic, they should be checking it. The cheap tester will tell you everything you need to know. As for all of this thermostat stuff, watch the temp gauge. After keeping an eye on it for a while, you will figure out how long it takes to get to a certain temp, and where it should stay.
My wife has a new vehicle, and the temp stays at 210. That just seems crazy to me.