I have a '96 Windstar with the 3.8L engine.
I installed a Derale cooler in front of the radiator.
I mounted mine more toward the top.....behind the opening that is above the bumper.....between the headlights.
I put it there as there that is a place that gets fewer stone strikes than below the bumper.
I think mine was rated for around 18,000lbs GVW.
The B&M is also a very good one to get.
Mine is installed in series with the factory cooler, that is inside the radiator.
My windstar has a small metal block that is located in the metal lines that are right in front of the transaxle.
This metal block is a thermal switch, that causes the fluid to bypass the cooler(s) when it is at about 32 degrees F or lower.
I have Mobil 1 ATF in there right now, and it has worked great for me.
Mobil 1 ATF, in the past year, changed to be for Mercon V vehicles as well as Mercon.
FORD is discontinueing Mercon specification and is calling for Mercon V to be used in it's place.
I DO recommed a high quality synthetic fluid.
Also, The manual calls for changing the fluid at least every 30K miles...and I would do that religously.
Go for the fluid exchange, no cleaners.
The transaxle holds about 12.25 quarts.
When they have it changed, the fluid exchange method has them disconnect the return line from the cooler(s) and then the engine is started.
The machine adds new fluid at the same rate that the old fluid comes out.
I would have them use about 15 quarts, as there is a certain amount of mixing of old and new fluid inside the transaxle.
I would also make sure that the radiator fans work on the low speed setting.
With the engine at idle, A/C on, the radiator fans should be on at low speed.
If they are not on.....it is possible that the low speed dropping resistor is open.
The low speed dropping resistor is located kind of behind the passenger headlight.....on the metal bumper.
Low speed radiator fan operation is a major contributor to keeping the transmission cool in that stop and go and sitting at idle operation.
My dropping resistor was broken, and I got the replacement from the dealer....not real expensive, and not too hard to replace.....takes a long extension to get to the small bolts.