Originally Posted by wstar

Except your coolant is typically high (-ish, depending on conditions, but generally 195F+ even for mild driving in mild weather), so it can't cool the oil down any lower than that. If anything, it will help warm the oil up to that range faster and it keep it more stable. The questionable part about running dual (air and water) coolers both off of filter adapters is whether the stacked adapters pose a failure risk.