on the FJ I have never seen the coolant over 93, oil I have seen at 95 max. What worries me is the ATF, on a spirited FB+ that often goes to 105, occasionally higher say 110 and in extreme cases 113-114. No aux cooler fitted, but it is in the planning.
The trouble with ATF oil is that high temps cause trouble in the long term, and you don’t see them as you don’t change ATF often nor do you have a dipstick to check the color.
Below a bit of an indication on what temp does to the oil, forget about ‘lifetime oil’ for this hobby!