I'm thinking about replacing my coolant-ATF heat exchanger in my Jeep to an external cooler because of possible water contamination. The problem is, 95% of my driving is short trips, and I think the "cooler" actually acts more like a warmer for the ATF. Is it as important for the transmission to be up to operating temp as it is for an engine? Would it be a bad idea for a short trip driver to get rid of the ATF "warmer"?