I wouldn't even consider it until full operating temp (180+) has been reached for about 2 minutes, to allow the oil to get warm. If you keep the oil, etc. cold for that long, it's a lot of extra wear on the cylinder walls, more fuel dilution in the oil, as well as more condensation in the oil, both of which require more frequent oil changes.
FWIW, the cylinder wall wear isn't due to cold oil. It's due to cold pistons, cold cylinders and rich running during warmup. The cylinders and pistons aren't quite in their proper shape, etc. yet, which is why cold engines have far more blowby. Things come into tolerance as they warm up. The extra fuel also washes some of the oil off the cylinder walls.
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Call me crazy, but I actually try for mpg with this Jeep:
Typical driving: Back in Rochester for school, driving is 60 - 70% city
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