I guess in some ways, it is a question of which is a bigger band aid - having to run high temp fluid because you don't have the proper cooler, or having to install more cooler because you want to run cheaper fluid.

I can use type F because I have a properly sized cooler and enough air flow to keep my trans temps in order. I will say this - if I was running a car that I couldn't do that, say a resto where I couldn't add an external cooler, I'd consider running the synthetic stuff for the higher temp protection.