In reply to BimmerMaven :
In terms of how much heat they remove, any oil-to-water cooler that's sharing a coolant with the engine is going to remove less heat than an oil-to-air cooler, they also tend to have higher pressure drop than oil-to-air. If the exchanger is big enough and has a dedicated liquid-to-air system it could match or exceed the cooling capacity of an oil-to-air system. Any oil-to-water cooler can potentially fail in a way that causes coolant and oil to mix and it's the most common failure mode.
Your early camry engine problems probably were caused by low milage engines that were gunked up. A Toyota garage owner told me he destroyed a camry v-6 in a week by moving it outside in the morning & back inside at night while wating parts. The PCV orfice was too small. You needed a 200,000 mile engine.
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