Not really worried about plate and fin setups per se. They're perfectly fine in the right application. You're absolutely right that OEM's come with them but it's probably because the vehicles are brand new with fresh fluid and clean pans, so plate and fin is best in that setup. As I already stated, I'm not towing anything. Again, I just wanted slightly better cooling of my trans fluid in my 23 year old transmission. I think I'm doing better than stock without a cooler at all.OEMs have been putting plate and fin coolers on their cars with towing packages for quite some time. I wouldn't worry about them.