Water will evaporate at room temperature.
There are no combustion byproducts in the transmission. Other then humidity, there is no water in the transmission.
Your transmission is not too cool.
But, your location, with winter coming, might require some cardboard cover up in the coldest months.
Since you monitor temps, you'll be able to judge for yourself.
Anything under ~110*F should consider cooler coverup or a T-stat.
Which cooler/PN? Inline in series with OEM? before or after OEM cooler? or standalone? which ATF?