Oil coolers are an allowed mod, and not restricted so long as they serve no other function than to cool oil. I've got no issue with fans, but I don't think they are needed.
Big Dog, with good oil, I don't see an issue with your oil temps. My 2012 Durango sees oil temps like that just driving around on hot days, and it specs 5/20 oil (!). I've seen oil temps of 260 in my car, and it has more than 100 hours on it since then.
A few more things can help
- Removing the belly pan on hot days gets more air to fins on the oil pan, which lowers the temps maybe 10 degrees in my experience.
- If you are running fender liners, take them out, or at least ventilate them