As a general rule manual overdrive transmissions are about 96% efficient.
Non-overdrive (1:1 top gear) aproach 99% efficient.
TC lock-up automatics can get to 89% efficiency.
Because my engine is capable of protracted operation at high power and the heavy chassis allows for big loads without wheel slip, my ZF6-650 has an oil cooler because of the overdrive sixth. Some T-56s (Corvette Z06, Viper) come with an oil cooler pump.
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2000 Ford F-350 SC 4x2 6 Speed Manual
4" Slam
3.08:1 gears and Gear Vendor Overdrive
Rubber Conveyor Belt Air Dam
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