I literally just replied this in Blaine's trans cooler thread...
I found out last year what improper gearing can do to trans temps even without a trans temp gauge...
2000 4.0L 32rh with stock Dana 30/35 3.07s on 33x10.50-15 Badak Xtremes factory rad/trans cooler setup at the time. While hurrying home (80ish mph) on a nearly pancake flat interstate after dark with 80* ambient temps, i noticed the engine coolant temp starting to climb over the 210 degree mark when it always sits slightly below it. I immediately realized by the rpm that the torque converter wasn't locking up due to throttle and load to maintain that speed. I slowed down and the engine temp came back down with the converter locked up. The super hot trans fluid going through the factory radiator/cooler was too much for the system to cool. I normally pay very close attention to my converter being locked up but was in a rush that night. If that can happen to me in the pancake flat Midwest, I can only imagine what it's doing to guys in mountainous states.