Brian,
The only guard/duct that is needed is the fan shroud that forces all of the air that is drawn by the fan to travel through the radiator assemble.
To diagnose your overheating issue, you need to determine that the cooling system is full of coolant first, then determine that the fan control is operating properly (fan engages at operating temperature, and obtains high speed). These two things are the most likely issues, and they are the easiest to check. However, if both of these items check OK, you will need a more involved diagnostic process to check coolant flow rate (thermostat, restricted radiator, water pump, and belt), and fan RPMs.
There is no reason to replace your radiator on an age basis only. However, if the fins between the tubes have deteriorated excessively, you loose cooling efficiency from the radiator and a recore may be necessary even if it is not leaking or restricted.
Gerald