I know what you're saying Bobby, but the problem that I see with the "finned engine" theory is that it's not just the combustion process that heats the oil, it's the friction caused by the whole engine/clutch/transmission deal, but the only decent finning is on the cylinder head and cylinder block, the rest of the "finning" is marginal at best.
So you've got a great big aluminum box full of metal parts spinning and whirring away at blinding speed with a small quantity of very hot oil (water boils at 212 deg F, and oil commonly runs at 270 deg +) being splashed around trying to lubricate everything, with no cooling at all, apart from wind pressure while you're on the move. The wind pressure will cool the front of the engine's cases slightly, and wick the heat away from the finned "heatsinks" around the head and cylinders, but not sufficently to cool the oil as it circulates.
By circulating the oil outside of the engine thru a radiator that is sitting out in the cool air forward of the engine, you effectively reduce the oil temperature, which helps the oil maintain it's viscosity, reducing internal friction and lowering the temperature of the internal components. By increasing the viscosity of the oil, it also increases the oil pressure.
I often hear the argument that oil coolers are for high performance bikes only and are wasted on stock bikes. That is absolute bullshiit, any bike will benefit from cooler oil, and most folks don't realise that riding "two up", particularly if you're carrying a bit of weight, (like a fair bit of luggage, or you're into fat chicks) or you're commuting in city traffic in summer, or you're "canyon racing" on your favourite mountain roads with your mates, (or you simply want to see if your bike will do the ton) this will increase the heat of your engine/clutch/transmission exponentially.
This isn't "science" or "snake oil", it's just common sense. If it wasn't, why would your local auto parts store sell engine and transmission oil coolers for already water cooled cars and trucks that are used for hauling trailers and caravans etc? Because they work, and are cheap insurance against catastrophic mechanical failure. Cheers, Terry.
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