^ What he said. If you're getting up around 230-250 in the hardest settings (type of driving, weather) you plan to drive your car in, it's really ok. You might eek out a few extra horsepower by keeping everything slightly cooler, but meh. For me the breaking point is 260 on the oil temp dial in track conditions. If I can't stay stably under 260, I'd upgrade my cooler. I expect this will be the case early next summer, so I have all winter to think about my options for upgrading from the 19 row Setrab
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