The TFT needs to see 150 F. or higher to allow the tranny to lock up the converter. I think you are correct that your larger fluid cooler is the cause. Have you removed the thermostatic controlled valve in the fluid cooling loop? These usually fail open and I now remove this completely after talking to Doug L. at FPS. This valve was the factories attempt to rapidly heat the fluid but also have more capacity to cool it off after the initial warm up. The SHO has an extra external cooler compared to the standard Taurus. In cold parts of the country it is common for the ATX SHO to never lock up the TC in the winter.
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