If you're talking about a $10,000 reflow oven with tight PID control where you set the profile and go you'd be correct. if you're talking about a kitchen oven with cheap setpoint control that has a tendency to waaay overshoot, you're best off to aim a few 10's of degrees low.
Depends on the alloy, tin/bismuth will melt around 140C. I would've expected over 180C to be necessary as well though. Sn63Pb37 is very common and melts at 180C, but since it has lead I don't think it's used much in large scale electronics manufacture.