The 'base' temperature of the oil is set by the engine thermostat, that is, the oil can't be any cooler then the water jacket of the engine.
It can be a little bit higher on a hot day or driving hard, but the engine block temp moderates that too. Peak oil temp at the pistons can be more, but once the oil drops back into the oil pan the average temperature applies.
Engine oil coolers can drop the temp 30F or more, but once the oil gets back into the engine block it goes back up to at least 200F. Oil coolers will hold back oil during a change, so you won't get it all out dirtying up the new oil a bit. Coolers can also lead to longer dry starts since oil has to refill all the hoses to full pressure before the bearings are lubed! Not really a good idea.