Solid question. I used forescan to put the numbers directly below each gauge on my '24 braptor to have a better feel. I've learned a few things. Separate coolant temp from engine oil temp.
For a reference point: I've used my '18 F150 with 3.5eb to pull quite a bit of horsies, circa 10K lbs, plus all the girls horse "stuff" and of course the girls.... the coolant temp would periodically hit 223-229 but most of the time was low enough that the gauges did not show the actual degrees (once things get warm, Fords as stock are programmed to show degrees; when things aren't too warm they don't show the degrees, just the bar indicator).
Back to the Braptor: I used forescan to get the exact temps. The engine coolant behaves very similar to the F150. Hangs out a bunch between 198 and 218; rarely above 220.
Engine oil temp is a whole different story. It runs hot by design and I've run it up to 248 degrees when running through the Mojave up a good freeway grade. As soon as I crest it immediately drops back down. At 248 its above the half way point on the bar but not at anything that says it's close to H and stop and let 'er cool down.
So.... I've stopped paying as much attention to the engine oil temp and focused more on the engine coolant temp, which has eased my stress levels quite a bit.
For the transmission it hasn't alarmed me much, however, I've been snow wheeling with guys breaking trail and its something we pay close attn to and when things warm up, we swap the lead.