suby,
it was well known in the industry that PAOs had very poor solvency...for both additives and contaminants...Mobil used GrI "Carrier" oil in the '80s to get the additives into suspension. Got razzed badly, and sort of defended it to the hilt without saying why their additives needed GrI…
They are very very high in terms of oxidation stability...but can't hold the varnish in suspension.
The varnish is formed somewhere (hot, electrical discharge zones, high temperature atomised oil exposed to air), but the place that they are formed, isn't the place that they deposit. Video here shows how the varnish solubility changes with temperature...
So I'll use my turbine stuff...
It was formed somewhere (my guess the generator hydrogen seals), and made it to the main oil tank.
* some of that went to the centrifuge. As the centrifuge was water sealed, and varnish is very polar (water and caustic detergents are the best to remove it), the varnish that came into contact with the water formed a big sludge ball, locking up the centrifuge monthly.
* the stuff that returned to the turbine was cooled to 45C, and sent to turbine bearings, hydrogen seals, and the turbine valve gear hydraulics.
The bearings ran at 90C
The hydrogen seals at 85C
The hydraulics, they ran at ambient oil tempertures, had no heat from motion of components.
So that's where the varnish plated out...all through the hydraulics.
Industry wide, many many turbines have been lost due to failure of the hydraulics to trip the machine and close the valves.
So look at an engine...the heat is in the crank, and motion of the pistons, plus some under piston temperature. The crankcase is full of nasty blowby, with reactive species like CO, NOx, water vapour, half combusted fuel...THAT's where the varnish is formed.
But where do we usually detect it ?
Top end, where it's relatively cooler, not much more than coolant temperature.
In plant, we can remove it from circulation, and the machine will clean up over time...but you've got to get the oil at the coldest point below it's saturated level so that it can start to harvest the deposits.