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Torque converters nowadays have very low lock-up points. Since the electronics can tell whether you're in first or fifth, they can either let the torque converter free-wheel up to its lock-up speed or lock it at a very low rpm (around 1,5000 rpm in cars I've driven with the electronic lock-up and manu-matic mode).
The nice thing about a TC over a dual-clutch or a dry-clutch CVT is that the transmission fluid itself bears the brunt of the shock-loads when shifting. And you're throwing that out, anyway, every xx,xxx miles. A dual-clutch system with the dry clutch will eventually need clutch pack replacement, no matter how gently you drive it.
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