IMHO, light tracking means that you should be fine with a 19 row in our Canadian climate. Heavier tracking or FI systems definitely need more oil cooling power. It's the daily driving part that worries me most... I want to make sure my oil is warm enough before I step on it at all, but as soon as I am up to temp, it never goes over 90! Keep in mind, the temps you are reading on the stock gauge are the
RETURN line temps, not the feed line temps.
so:
DD & Light Tracker = 19 row
DD & heavy tracker = 25 row
Heavy tracker or FI = 34 row
my