Yes I think the oil cooler. Engine was probably still breaking in
Just an FYI from an old Cummins project I worked on.
Developing the 2010 X15, we were noticing that the pistons kept coking underside and even within the oil cooling galleries. It was so bad than on some of our more heinous abuse tests, the coking would prevent piston cooling enough to cause engine failure on an abuse test.
After poring over reams of test data, one of the most highly respected engineers at Cummins at the time noticed elevated copper levels. And after doing some literature research, he hypothesized that elevated copper was catalyzing some reactions leading to piston deposits.
The only oil-wetted surface in the engine where the copper could come from was the brazing material of the stainless oil cooler. So he rigged up a test with an aluminum cooler and ran to see what operating copper levels would be in the oil and to see whether the pistons would have similar coking and deposits.
The results were quite clear and stunning. With the aluminum cooler, the copper levels in the oil were essentially zero. But the most astounding thing was that the piston coking was ALSO ZERO.
And thus, every 2010 X15 went into production with an aluminum oil cooler instead of stainless cooler.
Now, this was tested using house oil (Premium blue 15w40) and of applicable spec (CJ-4 at the time) so it's not necessarily the case that all copper in oil will lead to piston deposits.
But I'd suggest that elevated copper levels aren't necessarily innocent. Especially on modern engines with oil squirters and gallery cooled pistons, if that copper contributes to deposits and coking, it could be a problem.