It's definitely both. It's been studied by at least a few folks here: Take the radiator's heat exchangers out of the circuits, and fluid temps will peak significantly higher under sustained loads, like when pulling a camper up a mountain pass in the summer. I have demonstrated this with transmission fluid using different configurations of coolers. Peak fluid temperature was 30ºF higher (265ºF) at the top of a pass I pull our camper over several times a year, than it was with the radiator's heat exchanger in the circuit.I plan to do the oil cooler delete maybe in the spring when I do the next oil change. Get a simple plate online and then you never have to worry about the lines themselves leaking. It also isn't a cooler so much as it is a warmer to help the oil heat up so I don't think there will be any issues going forward.