Oh... my.... God.... why is this thread over two posts long??? In the time it has taken you to talk about these coolers I could have rebuilt the whole transmission... ATF does not get thick enough in the climates we have around here to worry about "bypasses". Also, too cold of a trans temp is no good either, it never allows the moisture to evaporate from the fluid.. I run a tube and fin cooler in my 9 second street car with a 9" 5000 converter and have never had a problem with excessive trans temps..
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