:werd: What XS said.
However, you have a 95 LX... which means you have the same engine as I do. D15B7's don't generate much as much heat as the 2.0L+ VW's you're used to. They also don't hold it. My engine cools down completely within 5 minutes.
It takes my car forever to heat up. The heat sucks. It takes 15-30 minutes if it's below freezing for it to start feeling luke-warm if I let it idle. If I get the car up to highway speeds, it takes about 5-10 minutes. Once the temperature needle is half-way, it will roast you unless you're at a stop light.
If the temp needle drops while you're sitting at a stop light, the thermostat might be stuck open. That would also make your car take forever to warm up, but it won't hurt your engine.
I went skiing last year when it was -4° at the resort. When I left, I let my civic idle for 20 minutes, drove 15 miles down the mountain, 22 miles to the highway, and 5 minutes after getting on the highway, it began to warm up. My girlfriend was bitching the whole way about it. This was when the engine was brand new and nothing was wrong with it, or my antifreeze mixture. 1.5L Honda engines just don't make much heat.