My 2019 Tundra came cooler-less. This was ATF after 21k, no towing/offroading:
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I drained it a year / 10k miles later, it was even worse. 10k miles later decided to scramble together all missing cooler setup parts, installed a Derale 13403 cooler. This is ATF at 63k miles, last drain & fill was ~30k miles ago. This time offroading, hauling gear, everything. Wow.
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Wife's 2022 Sequoia with the same engine/transmission combo never had high transmission temperatures for some reason, but I still decided to repeat the setup.