Your Engine is in the Rear and not the front of the Mower, so it will run hotter. Kind of the reason Kohler got with Amsoil 2 design a 10W-50 motor oil. Whether this is a Kohler or Kawasaki, we are talking air cooled. Here is what you need to do, forget about the Infrared Gun because it is not accurate. I got myself a thermometer temp probe that I take the dipstick off after mowing and get my temp reading.
With the Infrared Gun the Oil Temp means nothing since you are taking a temp of the oil filter housing, same thing with taking a temp near the oil drain plug. You are taking a temp of the metal and not the oil. I bought a thermometer that was like $8.00 from Amazon, and it has been a great help.
My other thought here is to make sure you blow this mower off after each use, everything on this Engine needs to be free of debris and dirt. Take like 2 minutes or less after each time you mow the yard to just blow everything off your mower, this means the whole mower and not just the engine. Blow between the deck and engine!
I leave my Mower running for a minute while I go get the blower and blow the machine off, and then I put it in the shed and turn it off.
Why is your oil cooler so hot? You said the cooler fins are dirty, so like you said, you need to clean it up.
I want to point something out again about blowing everything off after each mowing, or if the machine is used commercially, after each mowing. This is an air-cooled engine, it needs to be blown off, after each mowing.