A multi-echo MRT approach is presented for application in RF safety assessment and validation of thermal simulations. By water-fat separation, more accurate determination of the drift field is possible. The method was tested in the thigh at 7T, using multi-transmit coils. Precision and accuracy were improved considerably compared to a previous single-echo fat-referenced method (precision: 0.09 vs 0.19 °C). Comparison of measured temperature distributions to simulated counterparts show good relative agreement in three subjects for multiple RF shim settings. Strikingly, simulated heating magnitudes mostly underestimated the observed heating with varying extent, suggesting a role for subject-specific parameters, such as perfusion.