I've had my CBR600FW for only a couple of weeks and the engine seems to be very hot. When I slow down in traffic the temperature goes right up near the red. The only time I've noticed the fan come on is when I was pulling into my drive and the bike was in neutral and the temperature gauge was VERY near the red. This has left me with loads of questions.

Is it okay for the gauge to hit the red?
Should the fan be coming on sooner?
Should the temperature be going this high in traffic?
Is it worth me replacing the coolant? I've checked the level and it isn't low but it could be old.