Jack21 is right on the money.
This reference from an earlier thread:
http://216.239.33.100/search?q=cach...&hl=en&ie=UTF-8
addresses the relationship between coolant temps and engine wear. Yes, I know it's based on tractor engines, but the principle is the same. Cooler engine temps can cause accelerated wear of internal components, as well as decreased power output and increased emissions. Now, most of us don't use our cars as daily drivers, so the slight increase in engine wear may not be as important as it is in the family Saturn. And, given the HiPo nature of the cars, I suspect that most owners aren't overly concerned about elevated levels of emissions. But lower power output??? Blasphemy!!! Proper coolant temperature regulation is best for that.
As to
oil temps in cool weather, I confess to doing what several others do. Stuff a rag in front of the
oil cooler for those fall rides.