It isn't going to hurt airflow if you buy a big enough cooler. If I can explain this to where you can understand you will see what I mean...
Take a 4" square tube that has a funnel on one end that opens up to 4" x 8". This 4" square tube would have a surface area of 16 square inches if you took a cross section at the narrowest point. Now, looking at a 4" x 8" tranny cooler (32 square inches of surface area), suppose that the cooling lines and fins take up 50% of the area that this cooler occupies, so the other 50% is the space where air flows through. That leaves you with 16 square inches of surface area open to flow air, so you have absolutely no restriction to worry about.
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