I think you are all putting to much into this, like I have said before I run my oil cooler all year round, my Norton has never had any troubles getting to working temps even in winter, I don't cover my oil cooler in colder months, I take it easy for the first few miles to get the bike up to working temps just like any other bike, my cooler sits up the top of the front frame and gets fresh air flow through and still get full air flow to the head and rest of the motor.
My round alloy oil tank is only 3 litre capsitity, 2 litres oil and 1 litre cirulation and what ever oil is in the oil lines, without the cooler I wouldn't be able to put my hand on the oil tank it be very hot, but with the cooler I can put my hand on it without burning my hand, my oil tank sits behind the air filters and goes the full witd of the Featherbed frame and has also good air flow around it, but one thing is I have never had any problems with running to cool, I have had long life out of my motor, I ride very hard all the time, I ride all year round and like all bikes it seems to run better when the cooler month come, the other day it hit 42c and it isn't even summer yet, I was out on the bike and i wish I had a cooler for my leather jacket, but the Norton ran great like it always does and I have been running my Norton with a Lochead oil cooler for 39 years now with well over 130,000 miles.
Don't get me wrong but a lot of Norton owners here have rebuilt their motors with only low miles on them, in 39 years my motor has been rebuild 2x first time full rebuild, crank balance, bearings, rebore, head work and hotter cam grind, the second rebuild was just to replace a cracked crank case, so new second hand crank cases and new main bearing and slipper bearing for the rods and new rings just in case, I am still running the orginal valves in the head, the guides have been replace 2x now as the first time the so called head expert put the new ones in and it had cracks where the guides were inserted, had to get the head welded, of course he payed for it to get fixed properley, so I say my cooler has helped to prolong its motor life and this was a everyday rider till nearly 2 year when I brought my new Thruxton.
Ashley