I bought the 370Z as a fun road car for occasional "spirited driving", not as a track car. It wasn't advertised as a track car, and it would be my expectation that if I ran it a lot on the track, I'd have to cough up for appropriate track mods, oil cooler included. That expense would be relatively minor compared to the price increase that the additional insurance coverage would cost me.
In my daily driving, oil temps have never been even close to limp mode, or anything else that would cause me alarm. It's fine with me that Nissan elected to add an oil cooler for 2012. On my 2011, I don't need it and for my use can't envision it possibly being worth the chance that Nissan could use an aftermarket version installation as an excuse to void the warranty.
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