You are correct. The weakness of our automatics are that they run hot, this thins out//cooks the fluid and things start to break. The oil to water cooler exists because it helps bring the trans up to temperature faster, which helps with wear and fuel economy. The downside is that once fully warmed up the trans oil doesn't exchange heat well with already hot coolant.
Some people hook up an external oil cooler in series with the "in tank" (water to oil) cooler - the downside of this is that you increase internal pressure drop and potentially decrease trans oil flow. Running ONLY an external oil cooler isn't the best either because your auto trans will take forever to warm up in cooler temps, and may never reach operating temp in winter.
The best option would be to have the "in tank" cooler and a big external oil cooler in parallel, with a thermal bypass valve to allow oil to switch paths between the "in tank" and external once the trans oil is up to operating temp.
I'm not sure if anyone sells a kit like this, but it would definitely increase trans longevity.
Btw, I design heat exchangers for the largest auto parts supplier on the planet.![]()





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