That is being a little unrealistic in my opinion. Water temps in the radiator can run much higher than that, so it makes sense you won't cool it much lower than that without an external cooler...and you would need a pretty good sized one to get down that low. (this is all considering summer time use) Most oil manufacturers consider 175 to 200 degrees as a normal temp for a late model automatic transmission. However, you can reach temps as high as 275 pulling a load over the top of a mountain for example. That's usually considered the max temp...and only for short durations. So if you can keep your temps under 200 degrees consistently, you should be good.