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As an engine enthusiast I took a recommendation from a fellow auto tech/mech tech student and took my '05 FLHTCUI Twin Cam to a life long friend of his for some heavy repair. During the 2012 Daytona Bike Week I rode 92 and A1A in stop and occasionally go traffic. In this traffic my bike wouldn't idle without throttle input. I questioned this person about oil coolers for my bike. He informed me about the perils of oil pressure drop on the TC which is what I'm looking to cure for stop and go riding in 85 degree plus weather. He recommended an oil cooler; in this situation only, that has a specific design and stressed a certain keyword pertaining to design. I'm trying to do the research pertaining to tube/flow design but get results that are less than exact. What I really want to see is detailed technical data pertaining to Twin Cam oil cooler design. Is it out there?
When new and stock your bike had been tested to operate in deserts and the Arctic. So if it is unmodified it will run happily in those conditions, even if you get roasted while riding it in heavy traffic in the Florida sun - that is well within it's designed operating range, although it may be outside your comfort zone!
If your bike is unmodified then we can conclude that there is something not quite right, which is causing the problem you mention. You need to get that sorted out before doing anything else. On the other hand if your bike has been modified in any way, then let us know what has been done, so we can advise a suitable course of action.
It is unlikely to involve an oil cooler IMHO, although a lot of members do add them. An alternative is a pair of parade fans, of which there are several brands available, which cool the heads from the horn side. However tell us more about your bike first.
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