have aluminum rad, its new. I also do believe its the timing. just isnt "snappy" the way my 1.6 N/A jetta diesel was.
I would check this. I just replaced my IP/Injectors. Set the static timing and drove for a couple of days before the timing equipment arrived. It was extremely sluggish. There was significant peddle travel to get it moving, no mid-range throttle and the mph didn't climb very quickly at WOT. When it arrived I found that my timing was at 4*. I reset it to 9* and it is allot different. Much more reaction to throttle inputs. A small input gets it going, the medium input is now existent and I get better acceleration at WOT (along with a little black smoke). I would definitely say something needs to be adjusted on yours. 3500lbs is a pretty light load.
Like mentioned though, these are not modern diesel. In NA form (especially) you have to drive like FordF250 says. Just keep your EGT's under 1150-1200 and your coolant under 240* (fan should kick on in the 230* range). FYI, if I go WOT from a stop my EGT's will get to a little over 1000* by about 65mph. This is with 3.54's and a c6.