I think that if she's choosing to be on the cold side, let her be, and I get what you're saying. But you must at least change her hot side temps back to the required range for the species, which is 87~90, with a ~90 hot spot. If she never goes there, maybe she just for an hour or two and you just don't witness it, who knows?
But I wouldn't recommend lowering the hot side lower and lower to the point that she has no choice but to be cold either way, and it will cause health issues in the long run.