OK, need a new radiator and am leaning towards a Be Cool universal w/ no other coolers. Probably will just get a tranny cooler only or maybe a small oil one. #1-Is an oil cooler really necessary? I thought high oil temps are good. Guys with no oil coolers-what are your temps? #2-How much lower are water temps w/o any other coolers in it? I would imagine it would be substantially lower.