By "built in cooler" do you mean it has tranny lines that run to the radiator?
I'm no tranny expert but if it's a vehicle you will be towing with often then I would suggest installing an external cooler. They can prolong the life of the tranny substantially (something automatics almost always need). It's cheap reassurance that you're helping to keep the thing alive even if the temperature isn't something to bite your nails over. That's just my opinion, though. I've been working on cars for the past thirteen years (mostly on 1960's muscle cars and such) so almost any upgrade is worth it in my eyes.
By the way, if you are going to purchase one or still wanting some input I would strongly suggest calling Summit Racing. 9 times out of 10 you'll get someone in their tech support that can point you in the right direction.
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Michael
1963 1/2 Ford Galaxie 500XL - 390 FE / Cruise-O-Matic (Project of ten years and counting)
2000 Ford F-150 XLT '4x4 Off Road' package - 5.4L / 4-speed automatic w/ 3.55 LSD rear end
2011 Jayco Jay Flight 22FB (Home sweet home!)
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