HEAT. The number one transmission enemy. I think what MONMIX was pondering was where does it come from? And WHY do they overheat?
I'll add my 2 cents to the answer here.
Transmissions produce heat from friction. Friction takes many forms in an automatic transmission. Fluid movement friction (yes!) and surface contact (my term) friction.
The Torque convertor moves fluid around violently and directs it against impellers, stators, turbine etc... what does it spell ? HEAT, lots of heat. The TC is the biggest producer of heat in a non-lock up state. Lock it up and the heat production stops. So low speed non-lock up driving can produce a lot of heat.... like freeway rush hour driving, or offroad.
Surface friction.... slipping clutches and bands can produce a fair amount of heat...this is usually a failure mode in the making.... not an ordinary every day event... although with the newer trannies, they program in some slippage on shifts so THAT heat is normal.
The problem often is more one of "HOW do we get rid of the heat".
The radiator cooler is only "kind of" a cooler. It "cools" the trans fluid to the temp of the RADIATOR! Nice... on a cold day.... but an external cooler is the only way to go on a warm day. The Explorer towing package had one.... so should you. Even aftermarket.... and after radiator.
So if we have all that..... well... here is the worst case.... freeway rush hour stop and go.... 5 mph and stop, lather rinse and repeat.... no airflow over the radiator or aftermarket one either... no lockup.... HOT. (Does this also sound like off road?)
All other kind of "hot" has a problem lurking somewhere.
IDEAL ? Aftermarket cooler with dedicated electric fan. Essential for normal use? No. Nice.... uh huh. Offroad? Maybe past being "just a good idea".
There ya have my take on it.