With alot of reading, some great input from the good folks here on the forum and talking with a gear head buddy of mine I believe I've finally reached an answer I'm happy with. Hopefully in the future when someone searches the forum for oil cooler info this posting will help.
I realize there will be different driving conditions, tracking / spirited driving / grandpa mode (ME when the wife is in the car), different areas of the US people live, etc. All of these things should be considered and will ultimately effect the final decision of what a person buys. With that said the below info certainly is not an end all answer, but hopefully it will bring things into focus for many and reduce the amount of leg work they'll have to do.
19 row - waste of money
25 row oil cooler - the place to go is Z1 Motorsports. Setrab oil cooler and mocal
thermostat sandwich plate - $523. Wrap over Stainless steel lines $35 add-on optional.
If you want a 34 row oil cooler go to Fast Intentions, they only offer a 34 row. I called them, they used to offer both a 25 row and 34 row but the gentleman I spoke with said the 25 row often did not meet the racing needs of their customers. Setrab oil cooler and mocal thermostat sandwich plate - $599. The same set up at Z1 - $628.
Fast Intentions have better hoses- teflon inner liner. I called Z1, their hoses are "elastomer" which is much better than neoprene but not quite as good as teflon lined. Fast Intentions does not offer optional wrap over SS lines. Brackets and screws are brackets and screws.... same either place. At the end of it all everything is the same except for the hoses. Oh yeah, customer service. Seems both have good reputations.
As many have done both the Setrab oil cooler and Mocal Thermostat Plate can be bought individually from other sources. Make your own hoses and brackets if you want to get that deep into it. Cost would cheaper, not sure how much.
That's my story and I'm stickin' to it. Yep there will be lots of opinions. Jayhovah and Eagle were very helpful to me in the end, THANKS! Thanks to everyone for reading and their input. I'm off to order me an oil cooler.