I had over 200k miles on my transmission when I sold the car. I had no cooler on it, other than the factory radiator cooler. I changed the fluid once, and had lots of deep 12 second passes, and a few in the 11's. Yet, I experienced no internal failures. So you can't make a generalized statement like you did and assume it's correct for everything. It most likely has more to do with your specific circumstances than anything.