put it this way, if your coolant temp is 100*c then your oil temp cannot be cooler than 100*c. I find that once you get the oil above 90*c it's hard to get it down again no matter how gently you drive after thrashing it. The engine needs to be switched off and rested.
Personally, i still think the oil to water setup is sufficient for most drivers. It's certainly better than nothing
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