Using a cooler on a turbo motor is just good practice IMO. The turbine housing transfers a huge amount of heat directly to the center section...the oil running through not only lubes, but cools the turbine bearings. No cooler and the hot oil goes back into the pan. Hard driving is not the only problem...extended driving is too. It just takes a bit longer for the heat to build up...on hot summer days there is less ability to get rid of the heat, especially with no cooler.
Keep in mind the engine is designed to run with oil at 100 deg C (210 deg F) ...not more, not less. You want the oil to get to ops temp as quickly as possible to provide the flow to the bearings at the desired viscosity (10-11 cst). Below this temp, oil is thicker and does not flow as well. Above this temp, oil thins out even more and does not provide the film thickness designed for the hydrodynamic region the bearings operate. Oil needs to be at the "correct" temperature for the motor.
A full flow cooler set-up controlling flow to the cooler provides the best solution to this problem. A thermostat set at 190 deg F will direct oil flow back to the motor below that temp to get it to 210 deg F faster. At 190 deg F the thermostat directs oil to the cooler, allowing it to get "ahead" of the heat. The thermostat opens/closes to keep the oil at optimum temperature.
Excessive oil temps could well be a contributing factor to the turbo failures seen in the 1J. I can't prove it, but it is a suspicion I have. I do know that main/rod bearing do not like excessive oil temps. A common solution is to run thick oil thinking that it will thin out less at higher temps...to a certain degree this is true and it will hold higher viscosity above 100 deg C. But you are shooting yourself in the foot...the time it takes that heavier oil to heat up/thin out is time your motor is running with reduced oil flow. The oil is too thick to flow at the rate the bearings were designed for. The majority of the wear to the bearings will be in that 1st half hour getting the oil to ops temp. Then to meet the design viscosity for the bearings with the thicker oil, you will have to exceed the design temp of the engine. This is not good for the motor.