Which is one of the main reasons that the surfs often overheated. The trans cooler actually blocks the lower radiator outlet on the surf but doesn't on the 4Runner. You can see the cooler if you pull the radiator.
Correct on the Surfs,.... the transmission cooler is a very large tube in the bottom tank of the radiator that also restricts flow of engine coolant..this is great as Will pointed out if you are in JAPAN wheres its cold and the transmission can be used to heat the engine coolant but in Australia you
don't want to heat the motor up with the tranny fluid as such the 4 Runners have a more appropriate designed transmission cooler in the Radiator without restricting flow of the engine coolant.
If you are going to bypass the radiator all together and purely depend on a external transmission cooler that's fine but make it large and remember that it needs to be positioned to get air flow when the vehicle isn't moving as well
As such if its not in-line with your engine fan think about an axillary fan..or keep moving
..Whilst I'm a great fan of Autos, and think in some ways make better 4x4's also keep in mind as some one pointed out Temperature is the biggest killers of Auto Trannys..kind regards John